| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.8% | -2.5 pts |
| Share growth (YoY) | +1.5% | +4.3% | -2.8 pts |
| Loan growth (YoY) | -2.7% | +4.3% | -7.0 pts |
| ROA | 0.36% | 0.62% | -0.3 pts |
| ROE | 3.1% | 5.9% | -2.8 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $564.3M | $502.9M | $209.8M | $64.3M | $501K | 0.36% | 2.94% | 0.10% | 30,052 |
| Q4 2025 | $555.2M | $492.7M | $215.2M | $63.8M | $2.7M | 0.48% | 2.93% | 0.20% | 30,153 |
| Q3 2025 | $550.2M | $488.0M | $214.1M | $63.4M | $2.2M | 0.53% | 2.93% | 0.10% | 30,414 |
| Q2 2025 | $548.3M | $489.7M | $216.9M | $62.5M | $1.3M | 0.49% | 2.91% | 0.08% | 30,823 |
| Q1 2025 | $551.8M | $495.3M | $215.6M | $61.8M | $629K | 0.46% | 2.82% | 0.14% | 31,094 |
| Q4 2024 | $533.9M | $481.8M | $217.7M | $61.2M | $3.7M | 0.70% | 2.90% | 0.10% | 31,176 |
| Q3 2024 | $535.1M | $479.2M | $218.7M | $60.8M | $3.2M | 0.80% | 2.90% | 0.07% | 31,340 |
| Q2 2024 | $536.0M | $485.8M | $220.7M | $59.5M | $2.0M | 0.73% | 2.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.62% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 31,686 |
Loan mix (Q1 2026): real estate $84.1M · commercial $148K · consumer $115.3M · securities $269.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 78.3% | 85th |
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: Henry, GA, ranked 15th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Henry, GA | 2 | $89.0M* | 1.63% | 15th |
| Fayette, GA | 2 | $89.0M* | 1.88% | 12th |
| Troup, GA | 2 | $89.0M* | 8.79% | 6th |
| 4 more counties with Pro → | ||||
Georgia: 65th with 0.13% · Atlanta-Sandy Springs-Roswell metro: 45th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 10 · 2024 11 · 2025 11