| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.4% | +1.3% | +19.1 pts |
| Share growth (YoY) | +22.2% | +0.9% | +21.3 pts |
| Loan growth (YoY) | +15.3% | -2.6% | +17.9 pts |
| ROA | 1.89% | 0.65% | +1.2 pts |
| ROE | 11.5% | 4.4% | +7.2 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.1M | $64.3M | $54.5M | $12.6M | $729K | 1.89% | 3.16% | 0.89% | 2,830 |
| Q1 2026 | $73.5M | $61.1M | $53.4M | $12.2M | $323K | 1.76% | 2.94% | 0.81% | 2,823 |
| Q4 2025 | $69.7M | $57.7M | $51.2M | $11.9M | $1.3M | 1.90% | 3.23% | 0.53% | 2,818 |
| Q3 2025 | $66.5M | $54.9M | $49.0M | $11.5M | $916K | 1.84% | 3.22% | 0.80% | 2,814 |
| Q2 2025 | $64.1M | $52.6M | $47.3M | $11.1M | $559K | 1.75% | 3.25% | 1.25% | 2,833 |
| Q1 2025 | $62.6M | $51.4M | $46.3M | $10.8M | $251K | 1.61% | 3.04% | 1.48% | 2,796 |
| Q4 2024 | $59.1M | $48.4M | $45.2M | $10.6M | $1.0M | 1.75% | 3.21% | 1.29% | 2,775 |
| Q3 2024 | $58.2M | $47.6M | $43.5M | $10.3M | $758K | 1.74% | 3.19% | 1.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 4.4% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,767 |
| Q2 2024 | $54.5M | $44.3M | $42.4M | $10.0M | $493K | 1.81% | 3.41% | 1.49% | 2,759 |
Loan mix (Q2 2026): real estate $34.7M · commercial $4.9M · consumer $11.3M · securities $18.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 80.6% | 4th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Talladega, AL, ranked 10th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Talladega, AL | 1 | $64.3M* | 3.91% | 10th |
Alabama: 168th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1