| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -5.3% | -2.4% | -2.9 pts |
| ROA | -0.98% | 0.60% | -1.6 pts |
| ROE | -5.0% | 4.1% | -9.1 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $80.7M | $67.7M | $46.8M | $15.8M | $-197K | -0.98% | 4.25% | 1.68% | 11,031 |
| Q4 2025 | $80.1M | $66.7M | $48.6M | $16.0M | $-591K | -0.74% | 4.34% | 2.32% | 10,941 |
| Q3 2025 | $80.6M | $67.1M | $47.8M | $16.1M | $-483K | -0.80% | 4.29% | 2.29% | 10,906 |
| Q2 2025 | $81.8M | $68.8M | $49.1M | $16.0M | $-605K | -1.48% | 4.16% | 2.07% | 10,864 |
| Q1 2025 | $82.6M | $69.3M | $49.4M | $16.3M | $-295K | -1.43% | 4.11% | 2.17% | 10,794 |
| Q4 2024 | $81.2M | $68.0M | $52.1M | $16.6M | $39K | 0.05% | 4.16% | 2.35% | 10,773 |
| Q3 2024 | $81.5M | $68.1M | $51.1M | $16.5M | $-87K | -0.14% | 4.11% | 2.43% | 10,686 |
| Q2 2024 | $81.8M | $68.7M | $52.0M | $16.2M | $-321K | -0.79% | 4.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.98% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -5.0% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1.62% |
| 10,757 |
Loan mix (Q1 2026): real estate $15.0M · commercial $1.9M · consumer $24.1M · securities $17.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.8% | 81.5% | 81st |
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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Ashley, AR, ranked 4th with 10.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ashley, AR | 2 | $45.9M* | 10.09% | 4th |
| Dallas, AR | 1 | $22.9M* | 10.58% | 3rd |
Arkansas: 106th with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3