| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -1.9% | +0.9% | -2.8 pts |
| Loan growth (YoY) | +18.1% | -2.6% | +20.8 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $455K | $349K | $62K | $103K | $2K | 0.67% | 4.98% | 0.49% | 264 |
| Q1 2026 | $445K | $341K | $100K | $103K | $606 | 0.54% | 5.58% | 1.06% | 266 |
| Q4 2025 | $472K | $339K | $137K | $102K | $6K | 1.27% | 4.87% | 1.81% | 266 |
| Q3 2025 | $448K | $346K | $92K | $99K | $3K | 0.97% | 5.03% | 0.00% | 261 |
| Q2 2025 | $454K | $356K | $53K | $97K | $1K | 0.48% | 5.03% | 0.00% | 267 |
| Q1 2025 | $485K | $357K | $95K | $97K | $821 | 0.68% | 5.37% | 4.09% | 270 |
| Q4 2024 | $528K | $431K | $136K | $96K | $5K | 1.02% | 4.92% | 0.57% | 272 |
| Q3 2024 | $516K | $421K | $100K | $93K | $7K | 1.82% | 5.04% | 0.00% | 275 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $515K |
| $424K |
| $67K |
| $90K |
| $4K |
| 1.45% |
| 5.10% |
| 0.00% |
| 279 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $62K · securities $2K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 80.6% | 64th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: St. Mary, LA, ranked 10th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Mary, LA | 1 | $175K* | 0.01% | 10th |
| Fairfax (City), VA | 1 | $175K* | 0.00% | 42nd |
Virginia: 247th with 0.00% · Louisiana: 264th with 0.00% · Washington-Arlington-Alexandria metro: 179th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2