| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +5.4% | +0.9% | +4.4 pts |
| Loan growth (YoY) | -7.6% | -2.6% | -5.0 pts |
| ROA | 0.76% | 0.65% | +0.1 pts |
| ROE | 4.5% | 4.4% | +0.2 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.0M | $37.2M | $15.5M | $7.5M | $170K | 0.76% | 3.80% | 2.20% | 2,925 |
| Q1 2026 | $44.6M | $37.0M | $15.5M | $7.4M | $97K | 0.87% | 3.87% | 2.26% | 2,960 |
| Q4 2025 | $43.3M | $35.7M | $15.9M | $7.3M | $135K | 0.31% | 3.57% | 1.82% | 2,986 |
| Q3 2025 | $43.2M | $35.7M | $16.4M | $7.3M | $107K | 0.33% | 3.52% | 3.08% | 3,026 |
| Q2 2025 | $42.7M | $35.3M | $16.8M | $7.3M | $56K | 0.26% | 3.51% | 2.67% | 2,985 |
| Q1 2025 | $43.2M | $35.9M | $17.2M | $7.2M | $25K | 0.23% | 3.36% | 3.11% | 3,042 |
| Q4 2024 | $41.8M | $34.4M | $17.5M | $7.2M | $152K | 0.36% | 3.22% | 3.63% | 3,127 |
| Q3 2024 | $42.1M | $34.8M | $17.9M | $7.1M | $72K | 0.23% | 3.14% | 2.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.65% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,184 |
| Q2 2024 | $42.0M | $34.7M | $18.2M | $7.1M | $33K | 0.16% | 3.07% | 2.41% | 3,254 |
Loan mix (Q2 2026): real estate $3.3M · commercial $0 · consumer $10.3M · securities $23.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 80.6% | 41st |
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.
3 branches in 3 counties across 3 states (+1 vs 2025). Biggest market: Hopewell (City), VA, ranked 4th with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hopewell (City), VA | 1 | $12.4M* | 4.32% | 4th |
| Washington, MD | 1 | $12.4M* | 0.30% | 18th |
| Maricopa, AZ | 1 | $12.4M* | 0.01% | 87th |
Virginia: 194th with 0.00% · Maryland: 135th with 0.01% · Arizona: 106th with 0.00% · Richmond metro: 46th, 0.02% · Phoenix-Mesa-Chandler metro: 90th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3