| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -5.4% | +0.9% | -6.3 pts |
| Loan growth (YoY) | +11.1% | -2.6% | +13.7 pts |
| ROA | 0.71% | 0.65% | +0.1 pts |
| ROE | 4.1% | 4.4% | -0.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.2M | $13.4M | $11.1M | $2.8M | $57K | 0.71% | 6.04% | 0.29% | 1,840 |
| Q1 2026 | $16.4M | $13.6M | $10.5M | $2.8M | $23K | 0.56% | 5.87% | 1.92% | 1,820 |
| Q4 2025 | $16.1M | $13.5M | $10.5M | $2.7M | $98K | 0.60% | 6.00% | 0.35% | 1,804 |
| Q3 2025 | $16.4M | $13.7M | $10.4M | $2.8M | $85K | 0.69% | 5.86% | 1.23% | 1,800 |
| Q2 2025 | $17.0M | $14.2M | $10.0M | $2.8M | $54K | 0.63% | 5.50% | 1.28% | 1,790 |
| Q1 2025 | $17.2M | $14.5M | $9.7M | $2.7M | $26K | 0.60% | 5.38% | 0.72% | 1,795 |
| Q4 2024 | $16.4M | $13.7M | $10.0M | $2.7M | $25K | 0.15% | 5.75% | 0.85% | 1,788 |
| Q3 2024 | $16.8M | $14.0M | $10.1M | $2.8M | $47K | 0.37% | 5.63% | 3.34% |
| Ratio | The Wright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,824 |
| Q2 2024 | $16.8M | $13.9M | $10.2M | $2.9M | $14K | 0.17% | 5.69% | 3.45% | 1,823 |
Loan mix (Q2 2026): real estate $3.9M · commercial $189K · consumer $6.1M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 80.6% | 59th |
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 | The Wright Credit Union | 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 | The Wright Credit Union | 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 | The Wright Credit Union | 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 | The Wright Credit Union | 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 | The Wright Credit Union | 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 2 counties across 1 state (+0 vs 2025). Biggest market: Stephens, GA, ranked 8th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stephens, GA | 1 | $6.7M* | 1.28% | 8th |
| Franklin, GA | 1 | $6.7M* | 1.00% | 7th |
Georgia: 250th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2