| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | -15.7% | -2.6% | -13.1 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.1M | $22.6M | $6.0M | $4.4M | $87K | 0.64% | 3.61% | 0.62% | 2,146 |
| Q1 2026 | $27.1M | $22.7M | $6.3M | $4.3M | $31K | 0.46% | 3.60% | 1.83% | 2,153 |
| Q4 2025 | $26.9M | $22.5M | $6.7M | $4.3M | $11K | 0.04% | 3.74% | 0.68% | 2,177 |
| Q3 2025 | $27.1M | $22.7M | $7.2M | $4.2M | $-28K | -0.14% | 3.69% | 0.28% | 2,227 |
| Q2 2025 | $26.8M | $22.6M | $7.1M | $4.2M | $-83K | -0.62% | 3.70% | 0.45% | 2,233 |
| Q1 2025 | $27.2M | $22.8M | $6.9M | $4.3M | $53K | 0.78% | 3.62% | 0.18% | 2,241 |
| Q4 2024 | $26.8M | $22.5M | $7.1M | $4.3M | $219K | 0.82% | 3.40% | 0.02% | 2,247 |
| Q3 2024 | $26.6M | $22.3M | $7.3M | $4.2M | $174K | 0.87% | 3.38% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,252 |
| Q2 2024 | $26.7M | $22.5M | $7.5M | $4.2M | $96K | 0.72% | 3.28% | 0.04% | 2,266 |
Loan mix (Q2 2026): real estate $192K · commercial $0 · consumer $3.6M · securities $18.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 80.6% | 57th |
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: Logan, AR, ranked 5th with 4.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Logan, AR | 2 | $22.6M* | 4.45% | 5th |
Arkansas: 135th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2