| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | +2.3% | -2.6% | +4.9 pts |
| ROA | -2.96% | 0.65% | -3.6 pts |
| ROE | -94.4% | 4.4% | -98.8 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 | $3.1M | $3.0M | $1.2M | $99K | $-47K | -2.96% | 3.16% | 0.91% | 408 |
| Q1 2026 | $3.2M | $3.0M | $1.4M | $131K | $-15K | -1.84% | 3.51% | 0.91% | 409 |
| Q4 2025 | $3.2M | $3.0M | $1.5M | $145K | $-35K | -1.12% | 3.36% | 1.04% | 394 |
| Q3 2025 | $3.2M | $3.0M | $1.4M | $177K | $-4K | -0.16% | 3.38% | 0.65% | 404 |
| Q2 2025 | $3.2M | $3.0M | $1.2M | $194K | $14K | 0.85% | 3.52% | 0.90% | 391 |
| Q1 2025 | $3.2M | $2.9M | $1.3M | $207K | $26K | 3.27% | 3.37% | 1.04% | 370 |
| Q4 2024 | $3.1M | $3.0M | $1.2M | $128K | $-37K | -1.20% | 6.44% | 0.12% | 381 |
| Q3 2024 | $3.1M | $2.9M | $1.3M | $144K | $-6K | -0.24% | 3.86% | 0.81% | 354 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.96% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -94.4% | 4.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.0M | $2.9M | $850K | $103K | $-45K | -3.01% | 3.81% | 1.21% | 354 |
Loan mix (Q2 2026): real estate $324K · commercial $0 · consumer $909K · securities $283K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 207.9% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Orange, FL, ranked 59th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, FL | 1 | $3.0M* | 0.01% | 59th |
Florida: 327th with 0.00% · Orlando-Kissimmee-Sanford metro: 70th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1