| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -20.4% | +0.9% | -21.4 pts |
| Loan growth (YoY) | -12.9% | -2.6% | -10.3 pts |
| ROA | -1.04% | 0.65% | -1.7 pts |
| ROE | -1.9% | 4.4% | -6.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.9M | $830K | $477K | $1.1M | $-10K | -1.04% | 3.56% | 13.33% | 361 |
| Q1 2026 | $2.0M | $970K | $495K | $1.0M | $4K | 0.78% | 3.29% | 5.47% | 383 |
| Q4 2025 | $2.0M | $966K | $547K | $1.0M | $7K | 0.37% | 3.60% | 11.18% | 398 |
| Q3 2025 | $2.1M | $1.0M | $570K | $1.0M | $1K | 0.07% | 3.48% | 0.39% | 398 |
| Q2 2025 | $2.1M | $1.0M | $548K | $1.0M | $-7K | -0.65% | 3.75% | 0.53% | 400 |
| Q1 2025 | $2.1M | $1.1M | $611K | $1.0M | $21K | 4.08% | 3.03% | 5.16% | 398 |
| Q4 2024 | $2.0M | $1.0M | $628K | $1.0M | $23K | 1.14% | 4.20% | 1.16% | 401 |
| Q3 2024 | $2.1M | $1.1M | $669K | $1.0M | $12K | 0.77% | 4.14% | 2.13% | 401 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.04% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.2M | $1.2M | $670K | $1.0M | $15K | 1.38% | 3.78% | 2.44% | 399 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $443K · securities $519K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 80.6% | 46th |
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: Greenup, KY, ranked 8th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greenup, KY | 1 | $830K* | 0.12% | 8th |
Kentucky: 215th with 0.00% · Huntington-Ashland metro: 48th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1