| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -3.6% | +0.9% | -4.5 pts |
| Loan growth (YoY) | +1.4% | -2.6% | +4.0 pts |
| ROA | 1.22% | 0.65% | +0.6 pts |
| ROE | 4.7% | 4.4% | +0.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.5M | $8.4M | $5.1M | $3.0M | $70K | 1.22% | 3.97% | 0.00% | 1,467 |
| Q1 2026 | $11.5M | $8.5M | $4.8M | $2.9M | $32K | 1.10% | 3.89% | 0.00% | 1,466 |
| Q4 2025 | $11.1M | $8.2M | $4.9M | $2.9M | $155K | 1.40% | 4.12% | 0.00% | 1,462 |
| Q3 2025 | $11.2M | $8.3M | $5.0M | $2.9M | $112K | 1.33% | 4.08% | 0.00% | 1,473 |
| Q2 2025 | $11.6M | $8.8M | $5.0M | $2.8M | $84K | 1.45% | 3.91% | 0.04% | 1,482 |
| Q1 2025 | $11.7M | $8.8M | $5.1M | $2.8M | $30K | 1.02% | 3.82% | 0.23% | 1,490 |
| Q4 2024 | $11.4M | $8.6M | $5.3M | $2.7M | $125K | 1.09% | 3.67% | 0.12% | 1,500 |
| Q3 2024 | $11.2M | $8.4M | $5.5M | $2.7M | $74K | 0.89% | 3.64% | 0.15% | 1,498 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.5M | $8.7M | $5.4M | $2.7M | $43K | 0.75% | 3.35% | 0.00% | 1,506 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 80.6% | 36th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Warren, MS, ranked 8th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Warren, MS | 2 | $8.4M* | 0.60% | 8th |
Mississippi: 128th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2