| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.3% | +0.9% | -2.3 pts |
| Loan growth (YoY) | +41.9% | -2.6% | +44.5 pts |
| ROA | 3.27% | 0.65% | +2.6 pts |
| ROE | 33.1% | 4.4% | +28.7 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $382K | $343K | $90K | $38K | $6K | 3.27% | 3.83% | 3.99% | 194 |
| Q1 2026 | $378K | $342K | $79K | $34K | $2K | 2.60% | 2.41% | 0.32% | 195 |
| Q4 2025 | $407K | $372K | $63K | $31K | $6K | 1.52% | 3.12% | 0.00% | 194 |
| Q3 2025 | $411K | $374K | $69K | $37K | $5K | 1.76% | 2.84% | 1.92% | 194 |
| Q2 2025 | $384K | $348K | $63K | $36K | $5K | 2.38% | 3.17% | 6.53% | 199 |
| Q1 2025 | $416K | $381K | $54K | $33K | $2K | 1.89% | 3.76% | 2.12% | 198 |
| Q4 2024 | $425K | $392K | $63K | $31K | $5K | 1.22% | 3.22% | 0.00% | 198 |
| Q3 2024 | $411K | $378K | $62K | $33K | $6K | 2.11% | 3.70% | 0.22% | 196 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.27% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 33.1% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $379K |
| $348K |
| $66K |
| $31K |
| $5K |
| 2.56% |
| 3.82% |
| 0.00% |
| 191 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $50K · securities $248K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 19.4% | 80.6% | 0th |
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: Fayette, WV, ranked 9th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, WV | 1 | $343K* | 0.05% | 9th |
West Virginia: 148th with 0.00% · Beckley metro: 22nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1