| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -24.3% | +1.3% | -25.6 pts |
| Share growth (YoY) | -25.0% | +0.9% | -25.9 pts |
| Loan growth (YoY) | -16.3% | -2.6% | -13.7 pts |
| ROA | -5.49% | 0.65% | -6.1 pts |
| ROE | -15.1% | 4.4% | -19.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.1M | $725K | $769K | $414K | $-31K | -5.49% | 9.51% | 9.84% | 383 |
| Q1 2026 | $1.2M | $705K | $832K | $428K | $-17K | -5.91% | 9.05% | 9.33% | 385 |
| Q4 2025 | $1.2M | $693K | $900K | $444K | $-185K | -14.83% | 11.97% | 3.17% | 391 |
| Q3 2025 | $1.4M | $912K | $949K | $481K | $-50K | -4.59% | 8.07% | 5.14% | 400 |
| Q2 2025 | $1.5M | $966K | $919K | $505K | $-43K | -5.66% | 9.94% | 0.84% | 400 |
| Q1 2025 | $1.3M | $992K | $994K | $245K | $-7K | -2.08% | 11.00% | 8.07% | 391 |
| Q4 2024 | $1.5M | $1.0M | $1.1M | $496K | $-20K | -1.33% | 11.25% | 6.92% | 380 |
| Q3 2024 | $1.6M | $1.1M | $1.1M | $518K | $-8K | -0.62% | 10.40% | 10.26% | 400 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.49% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -15.1% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 9.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.8M | $1.1M | $1.1M | $621K | $-12K | -1.28% | 4.60% | 11.95% | 415 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $712K · securities $50K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 157.7% | 80.6% | 98th |
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.
4 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Beaufort, NC, ranked 9th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaufort, NC | 3 | $544K* | 0.05% | 9th |
| Wayne, NC | 1 | $181K* | 0.01% | 20th |
North Carolina: 174th with 0.00% · Goldsboro metro: 20th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 4