| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.0% | +0.9% | -1.9 pts |
| Loan growth (YoY) | +0.3% | -2.6% | +2.9 pts |
| ROA | 0.24% | 0.65% | -0.4 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.5M | $47.7M | $40.2M | $4.6M | $63K | 0.24% | 4.34% | 0.48% | 5,201 |
| Q1 2026 | $51.8M | $46.9M | $40.3M | $4.6M | $27K | 0.21% | 4.47% | 0.79% | 5,234 |
| Q4 2025 | $51.6M | $46.7M | $39.8M | $4.6M | $169K | 0.33% | 4.46% | 0.69% | 5,246 |
| Q3 2025 | $52.0M | $47.0M | $40.1M | $4.6M | $165K | 0.42% | 4.40% | 0.54% | 5,282 |
| Q2 2025 | $52.8M | $48.2M | $40.1M | $4.5M | $45K | 0.17% | 4.28% | 0.54% | 5,304 |
| Q1 2025 | $52.8M | $48.2M | $40.3M | $4.4M | $9K | 0.06% | 4.20% | 0.79% | 5,346 |
| Q4 2024 | $51.6M | $47.3M | $40.7M | $4.4M | $38K | 0.07% | 3.99% | 0.61% | 5,374 |
| Q3 2024 | $52.5M | $48.1M | $41.1M | $4.4M | $14K | 0.04% | 3.82% | 0.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,388 |
| Q2 2024 | $53.9M | $49.6M | $40.9M | $4.5M | $61K | 0.23% | 3.58% | 0.59% | 5,393 |
Loan mix (Q2 2026): real estate $16.2M · commercial $0 · consumer $19.1M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 80.6% | 67th |
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 (-1 vs 2025). Biggest market: Pulaski, AR, ranked 34th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 2 | $31.8M* | 0.10% | 34th |
| Faulkner, AR | 1 | $15.9M* | 0.40% | 17th |
Arkansas: 123rd with 0.04% · Little Rock-North Little Rock-Conway metro: 39th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 4 · 2025 4 · 2026 3