| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.2% | +0.9% | -3.2 pts |
| Loan growth (YoY) | -17.3% | -2.6% | -14.6 pts |
| ROA | 0.45% | 0.65% | -0.2 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.6M | $7.6M | $4.3M | $959K | $19K | 0.45% | 3.70% | 0.83% | 1,516 |
| Q1 2026 | $8.6M | $7.7M | $4.5M | $944K | $4K | 0.20% | 3.43% | 0.00% | 1,529 |
| Q4 2025 | $8.4M | $7.5M | $4.7M | $936K | $-73K | -0.87% | 4.11% | 0.00% | 1,537 |
| Q3 2025 | $8.7M | $7.7M | $4.9M | $936K | $-72K | -1.11% | 3.98% | 0.03% | 1,545 |
| Q2 2025 | $8.7M | $7.7M | $5.2M | $930K | $-79K | -1.82% | 3.91% | 0.00% | 1,610 |
| Q1 2025 | $8.8M | $7.8M | $5.3M | $929K | $-80K | -3.61% | 3.83% | 0.00% | 1,646 |
| Q4 2024 | $9.0M | $7.9M | $5.7M | $1.0M | $14K | 0.16% | 3.96% | 1.26% | 1,641 |
| Q3 2024 | $8.9M | $7.9M | $6.1M | $978K | $-11K | -0.16% | 3.96% | 0.39% | 1,633 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.9M | $7.8M | $6.5M | $1.0M | $31K | 0.70% | 4.08% | 0.45% | 1,677 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.1M · securities $612K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 80.6% | 81st |
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: Pulaski, AR, ranked 44th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 1 | $7.6M* | 0.02% | 44th |
Arkansas: 153rd with 0.01% · Little Rock-North Little Rock-Conway metro: 57th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1