| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.6% | +0.9% | -0.4 pts |
| Loan growth (YoY) | +3.5% | -2.6% | +6.2 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 5.9% | 4.4% | +1.6 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.1M | $52.2M | $43.9M | $4.6M | $136K | 0.48% | 5.18% | 0.60% | 4,868 |
| Q1 2026 | $58.6M | $54.0M | $43.9M | $4.5M | $51K | 0.35% | 5.01% | 0.62% | 4,911 |
| Q4 2025 | $56.9M | $52.2M | $43.3M | $4.4M | $184K | 0.32% | 5.24% | 0.61% | 4,938 |
| Q3 2025 | $55.8M | $51.1M | $43.2M | $4.4M | $134K | 0.32% | 5.32% | 1.01% | 4,990 |
| Q2 2025 | $56.6M | $51.9M | $42.4M | $4.3M | $76K | 0.27% | 5.11% | 0.61% | 5,037 |
| Q1 2025 | $55.2M | $50.3M | $42.6M | $4.3M | $37K | 0.27% | 5.14% | 0.55% | 5,050 |
| Q4 2024 | $52.4M | $48.0M | $42.8M | $4.2M | $107K | 0.20% | 5.11% | 0.68% | 5,033 |
| Q3 2024 | $52.3M | $47.6M | $41.7M | $4.2M | $81K | 0.21% | 5.01% | 0.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,049 |
| Q2 2024 | $53.2M | $48.2M | $41.0M | $4.2M | $53K | 0.20% | 4.87% | 0.82% | 5,063 |
Loan mix (Q2 2026): real estate $22.4M · commercial $0 · consumer $20.5M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 80.6% | 40th |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Madison, MS, ranked 20th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, MS | 1 | $26.1M* | 0.38% | 20th |
| Rutherford, TN | 1 | $26.1M* | 0.24% | 29th |
Mississippi: 109th with 0.03% · Tennessee: 247th with 0.01% · Nashville-Davidson--Murfreesboro--Franklin metro: 83rd, 0.02% · Jackson metro: 35th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 2 · 2026 2