| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -20.8% | +1.3% | -22.1 pts |
| Share growth (YoY) | -12.1% | +0.9% | -13.0 pts |
| Loan growth (YoY) | -6.3% | -2.6% | -3.7 pts |
| ROA | -2.58% | 0.65% | -3.2 pts |
| ROE | -21.3% | 4.4% | -25.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.8M | $12.4M | $9.8M | $1.7M | $-178K | -2.58% | 2.30% | 3.89% | 1,389 |
| Q1 2026 | $14.7M | $13.0M | $9.7M | $1.7M | $-134K | -3.66% | 2.02% | 2.23% | 1,399 |
| Q4 2025 | $16.0M | $14.3M | $9.9M | $1.8M | $-155K | -0.97% | 2.96% | 3.79% | 1,390 |
| Q3 2025 | $16.3M | $14.5M | $9.9M | $1.9M | $-89K | -0.72% | 2.97% | 3.90% | 1,599 |
| Q2 2025 | $17.4M | $14.1M | $10.4M | $2.0M | $40K | 0.46% | 3.25% | 4.12% | 1,778 |
| Q1 2025 | $12.9M | $13.4M | $10.1M | $2.1M | $75K | 2.33% | 4.41% | 4.32% | 1,968 |
| Q4 2024 | $15.9M | $14.2M | $9.6M | $2.0M | $-173K | -1.09% | 2.89% | 4.63% | 1,946 |
| Q3 2024 | $16.0M | $14.3M | $9.7M | $2.0M | $-187K | -1.56% | 2.99% | 3.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.58% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -21.3% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,972 |
| Q2 2024 | $16.9M | $14.9M | $10.4M | $2.0M | $-188K | -2.22% | 2.92% | 4.20% | 1,789 |
Loan mix (Q2 2026): real estate $693K · commercial $0 · consumer $7.7M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.4% | 80.6% | 94th |
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 2025). Biggest market: Clark, AR, ranked 10th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, AR | 2 | $12.4M* | 1.28% | 10th |
Arkansas: 146th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2