| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.9% | +1.3 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | +2.3% | +2.9% | -0.7 pts |
| ROA | 1.20% | 0.69% | +0.5 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $217.2M | $185.2M | $126.9M | $32.1M | $653K | 1.20% | 3.49% | 0.64% | 23,351 |
| Q4 2025 | $210.6M | $178.7M | $124.5M | $31.4M | $3.0M | 1.44% | 3.37% | 0.94% | 23,197 |
| Q3 2025 | $210.5M | $179.7M | $123.4M | $30.4M | $2.0M | 1.29% | 3.29% | 0.55% | 23,209 |
| Q2 2025 | $211.1M | $181.8M | $123.5M | $29.5M | $1.1M | 1.04% | 3.23% | 0.33% | 23,167 |
| Q1 2025 | $206.5M | $179.0M | $124.1M | $28.8M | $298K | 0.58% | 3.17% | 0.64% | 23,256 |
| Q4 2024 | $193.1M | $167.2M | $124.8M | $28.5M | $1.9M | 0.99% | 3.18% | 0.73% | 23,263 |
| Q3 2024 | $196.6M | $170.2M | $127.1M | $27.9M | $1.4M | 0.92% | 3.06% | 0.91% | 23,290 |
| Q2 2024 | $194.2M | $169.1M | $128.8M | $27.5M | $893K | 0.92% | 3.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.69% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 23,435 |
Loan mix (Q1 2026): real estate $47.3M · commercial $0 · consumer $71.3M · securities $51.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 78.7% | 10th |
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.
5 branches in 4 counties across 1 state (+0 vs 2024). Biggest market: Mississippi, AR, ranked 3rd with 9.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mississippi, AR | 2 | $72.7M* | 9.08% | 3rd |
| Craighead, AR | 1 | $36.4M* | 0.91% | 20th |
| Greene, AR | 1 | $36.4M* | 2.71% | 7th |
| 1 more county with Pro → | ||||
Arkansas: 78th with 0.16% · Jonesboro metro: 22nd, 0.82% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5