| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.1% | -4.9 pts |
| Share growth (YoY) | -1.7% | +3.5% | -5.2 pts |
| Loan growth (YoY) | -0.5% | +2.9% | -3.4 pts |
| ROA | 0.71% | 0.74% | -0.0 pts |
| ROE | 4.8% | 6.5% | -1.7 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.0M | $188.5M | $179.6M | $32.8M | $793K | 0.71% | 6.02% | 1.47% | 36,020 |
| Q1 2026 | $225.8M | $190.7M | $175.9M | $32.4M | $377K | 0.67% | 5.93% | 1.29% | 35,659 |
| Q4 2025 | $221.2M | $187.0M | $175.4M | $32.0M | $1.0M | 0.46% | 6.30% | 1.77% | 35,428 |
| Q3 2025 | $223.2M | $188.8M | $175.8M | $32.9M | $1.2M | 0.73% | 6.25% | 1.94% | 35,805 |
| Q2 2025 | $225.7M | $191.8M | $180.5M | $32.5M | $792K | 0.70% | 6.12% | 1.62% | 35,828 |
| Q1 2025 | $227.7M | $194.2M | $180.3M | $32.1M | $375K | 0.66% | 5.97% | 1.43% | 35,498 |
| Q4 2024 | $225.0M | $192.0M | $186.1M | $31.7M | $2.4M | 1.08% | 6.21% | 1.91% | 35,210 |
| Q3 2024 | $226.1M | $193.3M | $188.3M | $32.3M | $2.3M | 1.37% | 6.19% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.74% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 6.5% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.02% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.20% |
| 35,680 |
| Q2 2024 | $230.4M | $196.1M | $191.2M | $31.6M | $1.6M | 1.36% | 6.04% | 2.21% | 35,421 |
Loan mix (Q2 2026): real estate $8.1M · commercial $1.8M · consumer $159.9M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 77.5% | 69th |
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.
7 branches in 5 counties across 2 states (-4 vs 2025). Biggest market: Danville (City), VA, ranked 7th with 4.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Danville (City), VA | 3 | $80.8M* | 4.46% | 7th |
| Halifax, VA | 1 | $26.9M* | 3.07% | 7th |
| Henry, VA | 1 | $26.9M* | 4.23% | 6th |
| 2 more counties with Pro → | ||||
Virginia: 121st with 0.04% · North Carolina: 139th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11 · 2026 7