| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +7.1% | +0.7% | +6.4 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.6M | $5.8M | $5.4M | $817K | $8K | 0.46% | 6.47% | 0.49% | 1,280 |
| Q4 2025 | $6.1M | $5.3M | $5.4M | $809K | $45K | 0.75% | 7.16% | 0.79% | 1,264 |
| Q3 2025 | $6.1M | $5.3M | $5.5M | $775K | $11K | 0.25% | 6.84% | 0.08% | 1,154 |
| Q2 2025 | $6.2M | $5.4M | $5.6M | $777K | $13K | 0.42% | 6.67% | 0.08% | 1,154 |
| Q1 2025 | $6.2M | $5.4M | $5.7M | $774K | $10K | 0.62% | 6.62% | 0.08% | 1,150 |
| Q4 2024 | $6.2M | $5.3M | $6.0M | $769K | $31K | 0.50% | 6.35% | 0.11% | 1,239 |
| Q3 2024 | $6.5M | $5.8M | $6.2M | $742K | $12K | 0.24% | 5.95% | 0.00% | 1,240 |
| Q2 2024 | $6.7M | $6.0M | $6.3M | $747K | $20K | 0.60% | 5.76% | 0.01% | 1,252 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.6M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Mason, WV, ranked 7th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mason, WV | 2 | $5.4M* | 1.12% | 7th |
West Virginia: 137th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2