| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -4.3% | -2.6% | -1.6 pts |
| ROA | -0.05% | 0.65% | -0.7 pts |
| ROE | -0.6% | 4.4% | -5.0 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.0M | $4.4M | $2.6M | $360K | $-1K | -0.05% | 3.91% | 1.12% | 600 |
| Q1 2026 | $5.1M | $4.5M | $2.4M | $358K | $-4K | -0.30% | 4.00% | 1.10% | 597 |
| Q4 2025 | $5.2M | $4.6M | $2.6M | $362K | $-27K | -0.51% | 4.15% | 6.83% | 610 |
| Q3 2025 | $5.4M | $4.7M | $2.7M | $402K | $7K | 0.17% | 4.19% | 1.25% | 614 |
| Q2 2025 | $5.3M | $4.6M | $2.7M | $388K | $-590 | -0.02% | 4.40% | 0.76% | 615 |
| Q1 2025 | $5.3M | $4.7M | $2.8M | $390K | $1K | 0.10% | 4.49% | 0.64% | 626 |
| Q4 2024 | $5.3M | $4.6M | $2.8M | $388K | $-30K | -0.57% | 4.63% | 3.96% | 662 |
| Q3 2024 | $5.4M | $4.7M | $2.9M | $414K | $-8K | -0.20% | 4.59% | 1.73% | 652 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.05% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.4M | $4.7M | $3.2M | $406K | $-12K | -0.44% | 4.82% | 0.47% | 699 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.0% | 80.6% | 94th |
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: Harrison, MS, ranked 20th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrison, MS | 1 | $4.4M* | 0.06% | 20th |
Mississippi: 140th with 0.00% · Gulfport-Biloxi metro: 29th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1