| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +3.3% | +0.7% | +2.6 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.7 pts |
| ROA | 0.30% | 0.60% | -0.3 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.0M | $79.3M | $60.2M | $8.8M | $67K | 0.30% | 3.83% | 0.43% | 8,620 |
| Q4 2025 | $87.9M | $78.2M | $61.9M | $8.8M | $392K | 0.45% | 3.81% | 0.71% | 8,641 |
| Q3 2025 | $86.5M | $76.8M | $62.4M | $8.8M | $361K | 0.56% | 3.86% | 0.82% | 8,659 |
| Q2 2025 | $85.1M | $75.7M | $61.9M | $8.7M | $241K | 0.57% | 3.89% | 0.61% | 8,651 |
| Q1 2025 | $86.4M | $76.8M | $61.2M | $8.6M | $106K | 0.49% | 3.74% | 0.39% | 8,641 |
| Q4 2024 | $84.0M | $74.8M | $62.1M | $8.5M | $140K | 0.17% | 3.60% | 0.37% | 8,608 |
| Q3 2024 | $85.2M | $75.8M | $63.1M | $8.5M | $49K | 0.08% | 3.47% | 0.31% | 8,577 |
| Q2 2024 | $85.3M | $75.7M | $64.6M | $8.5M | $69K | 0.16% | 3.54% | 0.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,613 |
Loan mix (Q1 2026): real estate $7.5M · commercial $4.8M · consumer $46.6M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 81.5% | 65th |
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 2024). Biggest market: Leon, FL, ranked 21st with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Leon, FL | 2 | $75.7M* | 0.76% | 21st |
Florida: 241st with 0.01% · Tallahassee metro: 22nd, 0.67% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2