| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -1.0% | +0.9% | -2.0 pts |
| Loan growth (YoY) | -39.1% | -2.6% | -36.4 pts |
| ROA | -4.00% | 0.65% | -4.6 pts |
| ROE | -51.7% | 4.4% | -56.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $526K | $484K | $114K | $41K | $-11K | -4.00% | 1.30% | 2.94% | 118 |
| Q1 2026 | $511K | $465K | $121K | $45K | $-3K | -2.07% | 1.22% | 3.50% | 118 |
| Q4 2025 | $533K | $484K | $157K | $48K | $-12K | -2.32% | 2.33% | 4.26% | 115 |
| Q3 2025 | $545K | $493K | $175K | $51K | $-9K | -2.22% | 2.39% | 5.41% | 116 |
| Q2 2025 | $545K | $489K | $188K | $55K | $-5K | -1.83% | 2.90% | 5.91% | 118 |
| Q1 2025 | $552K | $494K | $235K | $57K | $-3K | -2.17% | 2.68% | 24.35% | 121 |
| Q4 2024 | $586K | $524K | $227K | $60K | $-18K | -3.04% | 3.04% | 31.03% | 121 |
| Q3 2024 | $595K | $531K | $297K | $63K | $-13K | -2.82% | 3.42% | 26.65% | 124 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.00% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -51.7% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 1.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $641K | $574K | $321K | $66K | $-11K | -3.34% | 3.31% | 23.63% | 123 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $114K · securities $206K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 372.1% | 80.6% | 100th |
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 (+1 vs 2025). Biggest market: Marion, WV, ranked 12th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, WV | 2 | $484K* | 0.02% | 12th |
West Virginia: 147th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2