| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +3.9% | +7.4 pts |
| Share growth (YoY) | +12.1% | +3.3% | +8.8 pts |
| Loan growth (YoY) | +19.9% | +2.9% | +17.0 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 4.4% | 5.9% | -1.6 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $370.1M | $309.4M | $231.0M | $58.5M | $638K | 0.69% | 4.31% | 0.49% | 35,226 |
| Q4 2025 | $348.3M | $289.1M | $221.6M | $57.9M | $3.6M | 1.03% | 4.46% | 0.61% | 35,545 |
| Q3 2025 | $337.3M | $278.9M | $214.8M | $56.8M | $2.6M | 1.01% | 4.53% | 0.54% | 35,775 |
| Q2 2025 | $333.5M | $276.3M | $202.9M | $56.4M | $1.4M | 0.85% | 4.45% | 0.42% | 36,101 |
| Q1 2025 | $332.5M | $276.1M | $192.6M | $55.8M | $756K | 0.91% | 4.34% | 0.63% | 36,190 |
| Q4 2024 | $314.5M | $260.7M | $183.3M | $55.0M | $1.9M | 0.60% | 4.32% | 0.83% | 36,190 |
| Q3 2024 | $305.6M | $250.7M | $179.2M | $54.6M | $1.5M | 0.64% | 4.39% | 0.80% | 36,343 |
| Q2 2024 | $296.1M | $239.8M | $173.6M | $54.8M | $958K | 0.65% | 4.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 36,781 |
Loan mix (Q1 2026): real estate $30.7M · commercial $12.9M · consumer $171.6M · securities $38.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 52nd |
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.
11 branches in 7 counties across 1 state (+0 vs 2024). Biggest market: Jones, MS, ranked 7th with 4.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jones, MS | 3 | $75.4M* | 4.65% | 7th |
| Forrest, MS | 2 | $50.2M* | 3.02% | 7th |
| Harrison, MS | 2 | $50.2M* | 0.79% | 12th |
| 4 more counties with Pro → | ||||
Mississippi: 49th with 0.36% · Hattiesburg metro: 11th, 2.06% · Gulfport-Biloxi metro: 20th, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11