| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +5.3% | +0.9% | +4.4 pts |
| Loan growth (YoY) | +1.3% | -2.6% | +3.9 pts |
| ROA | 1.66% | 0.65% | +1.0 pts |
| ROE | 15.3% | 4.4% | +10.9 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.1M | $26.6M | $13.9M | $3.3M | $251K | 1.66% | 3.93% | 0.45% | 2,501 |
| Q1 2026 | $30.3M | $26.9M | $13.5M | $3.1M | $75K | 0.99% | 3.83% | 0.43% | 2,516 |
| Q4 2025 | $28.6M | $25.4M | $13.6M | $3.0M | $451K | 1.57% | 4.00% | 0.96% | 2,522 |
| Q3 2025 | $28.2M | $25.0M | $13.4M | $2.9M | $356K | 1.68% | 4.03% | 1.33% | 2,537 |
| Q2 2025 | $28.3M | $25.2M | $13.7M | $2.8M | $251K | 1.77% | 3.93% | 0.73% | 2,551 |
| Q1 2025 | $27.2M | $24.3M | $13.4M | $2.7M | $80K | 1.17% | 3.99% | 0.67% | 2,556 |
| Q4 2024 | $26.4M | $23.6M | $14.0M | $2.6M | $386K | 1.46% | 3.97% | 0.24% | 2,579 |
| Q3 2024 | $25.7M | $23.0M | $14.6M | $2.4M | $246K | 1.28% | 4.03% | 2.15% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,611 |
| Q2 2024 | $26.4M | $23.7M | $14.8M | $2.3M | $130K | 0.99% | 3.86% | 1.59% | 2,647 |
Loan mix (Q2 2026): real estate $906K · commercial $0 · consumer $11.1M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 80.6% | 30th |
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: Walton, FL, ranked 21st with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Walton, FL | 1 | $26.6M* | 0.71% | 21st |
Florida: 286th with 0.00% · Crestview-Fort Walton Beach-Destin metro: 33rd, 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1