| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +6.6% | +0.9% | +5.6 pts |
| Loan growth (YoY) | +1.4% | -2.6% | +4.0 pts |
| ROA | 0.66% | 0.65% | +0.0 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.1M | $11.4M | $8.4M | $3.8M | $50K | 0.66% | 3.79% | 0.03% | 1,386 |
| Q1 2026 | $14.9M | $11.2M | $7.9M | $3.7M | $31K | 0.84% | 3.81% | 0.06% | 1,392 |
| Q4 2025 | $14.2M | $10.5M | $8.1M | $3.7M | $159K | 1.12% | 4.24% | 0.20% | 1,394 |
| Q3 2025 | $14.3M | $10.5M | $8.3M | $3.7M | $145K | 1.35% | 4.24% | 0.08% | 1,404 |
| Q2 2025 | $14.4M | $10.7M | $8.2M | $3.6M | $97K | 1.35% | 4.18% | 0.00% | 1,409 |
| Q1 2025 | $14.1M | $10.4M | $8.1M | $3.6M | $54K | 1.53% | 4.23% | 0.06% | 1,412 |
| Q4 2024 | $14.2M | $10.6M | $8.2M | $3.5M | $176K | 1.24% | 4.32% | 0.11% | 1,415 |
| Q3 2024 | $14.0M | $10.5M | $8.4M | $3.5M | $139K | 1.33% | 4.36% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,438 |
| Q2 2024 | $13.9M | $10.4M | $8.1M | $3.5M | $94K | 1.35% | 4.38% | 0.20% | 1,445 |
Loan mix (Q2 2026): real estate $1.2M · commercial $0 · consumer $6.5M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 80.6% | 58th |
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: Walker, GA, ranked 9th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Walker, GA | 1 | $11.4M* | 1.29% | 9th |
Georgia: 252nd with 0.00% · Chattanooga metro: 47th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1