| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.5 pts |
| Share growth (YoY) | -3.2% | +0.9% | -4.2 pts |
| Loan growth (YoY) | +21.6% | -2.6% | +24.2 pts |
| ROA | -5.97% | 0.65% | -6.6 pts |
| ROE | -116.3% | 4.4% | -120.6 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.6M | $1.5M | $443K | $82K | $-48K | -5.97% | 3.28% | 7.42% | 330 |
| Q1 2026 | $1.6M | $1.5M | $378K | $84K | $-28K | -6.96% | 3.09% | 5.54% | 332 |
| Q4 2025 | $1.6M | $1.5M | $384K | $112K | $-60K | -3.81% | 3.55% | 3.98% | 334 |
| Q3 2025 | $1.8M | $1.7M | $381K | $116K | $-56K | -4.16% | 3.04% | 2.51% | 333 |
| Q2 2025 | $1.7M | $1.5M | $364K | $134K | $-39K | -4.56% | 3.12% | 0.64% | 333 |
| Q1 2025 | $1.7M | $1.5M | $365K | $152K | $-20K | -4.81% | 2.95% | 2.40% | 332 |
| Q4 2024 | $1.6M | $1.4M | $365K | $172K | $-40K | -2.43% | 2.91% | 0.30% | 310 |
| Q3 2024 | $1.8M | $1.6M | $372K | $163K | $-49K | -3.62% | 2.58% | 0.44% | 312 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.97% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -116.3% | 4.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.7M | $1.5M | $383K | $178K | $-34K | -3.97% | 2.47% | 5.94% | 313 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $169K · securities $502K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 259.8% | 80.6% | 99th |
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 1 state (+0 vs 2025). Biggest market: Saint Croix, VI, ranked 8th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saint Croix, VI | 1 | $748K* | 0.07% | 8th |
| Saint Thomas, VI | 1 | $748K* | 0.03% | 7th |
VI: 11th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2