| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | +8.3% | +0.9% | +7.3 pts |
| Loan growth (YoY) | +17.0% | -2.6% | +19.6 pts |
| ROA | -8.33% | 0.65% | -9.0 pts |
| ROE | -86.4% | 4.4% | -90.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.6M | $2.5M | $1.7M | $253K | $-109K | -8.33% | 6.10% | 2.32% | 725 |
| Q1 2026 | $2.5M | $2.3M | $1.6M | $304K | $-59K | -9.51% | 6.81% | 2.60% | 467 |
| Q4 2025 | $2.5M | $2.3M | $1.6M | $363K | $-160K | -6.26% | 6.68% | 3.05% | 919 |
| Q3 2025 | $2.6M | $2.3M | $1.7M | $412K | $-110K | -5.70% | 6.72% | 0.76% | 919 |
| Q2 2025 | $2.6M | $2.3M | $1.5M | $449K | $-74K | -5.57% | 6.56% | 1.19% | 919 |
| Q1 2025 | $2.7M | $2.4M | $1.2M | $489K | $-33K | -4.87% | 6.99% | 3.90% | 919 |
| Q4 2024 | $2.9M | $2.3M | $1.3M | $556K | $-136K | -4.69% | 4.82% | 5.61% | 919 |
| Q3 2024 | $3.0M | $2.4M | $1.2M | $613K | $-79K | -3.48% | 4.56% | 3.32% | 919 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.33% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -86.4% | 4.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.0M | $2.4M | $1.1M | $647K | $-45K | -3.01% | 4.45% | 0.45% | 897 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $201K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 191.7% | 80.6% | 99th |
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: Pulaski, AR, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 2 | $2.5M* | 0.01% | 52nd |
Arkansas: 163rd with 0.00% · Little Rock-North Little Rock-Conway metro: 64th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2