| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -0.7% | +0.9% | -1.7 pts |
| Loan growth (YoY) | +15.5% | -2.6% | +18.1 pts |
| ROA | 3.63% | 0.65% | +3.0 pts |
| ROE | 26.0% | 4.4% | +21.6 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155K | $133K | $22K | $22K | $3K | 3.63% | 3.97% | 13.84% | 114 |
| Q1 2026 | $152K | $133K | $23K | $19K | $584 | 1.53% | 2.09% | 49.01% | 114 |
| Q4 2025 | $152K | $133K | $24K | $19K | $322 | 0.21% | 1.22% | 0.00% | 114 |
| Q3 2025 | $157K | $134K | $26K | $22K | $3K | 2.70% | 3.01% | 0.00% | 115 |
| Q2 2025 | $156K | $134K | $19K | $21K | $2K | 3.15% | 3.49% | 0.00% | 115 |
| Q1 2025 | $154K | $134K | $21K | $19K | $588 | 1.53% | 1.85% | 0.00% | 115 |
| Q4 2024 | $153K | $134K | $23K | $18K | $0 | 0.00% | 1.07% | 0.00% | 115 |
| Q3 2024 | $153K | $133K | $20K | $20K | $2K | 1.61% | 2.04% | 0.00% | 115 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.63% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 26.0% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $151K |
| $132K |
| $6K |
| $19K |
| $872 |
| 1.15% |
| 1.56% |
| 0.00% |
| 114 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $11K · securities $126K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 15.0% | 80.6% | 0th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Stephens, GA, ranked 10th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stephens, GA | 2 | $133K* | 0.03% | 10th |
Georgia: 285th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2