Water's Edge Federal Credit Union
Total assets
$5.1M
▼ -3.8% YoY
Shares & deposits
$4.5M
▼ -3.9% YoY
Loans
$2.4M
▼ -12.3% YoY
Members
597
▼ -4.6% YoY
ROA (annualized)
-0.30%
peers 0.60%
ROE (annualized)
-4.35%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -12.3% | -2.4% | -9.9 pts |
| ROA | -0.30% | 0.60% | -0.9 pts |
| ROE | -4.4% | 4.1% | -8.5 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 1976 Popps Ferry Road, Biloxi, MS, 39532
- NCUA charter #
- 8593
- RSSD ID
- 132385
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Q2 2024 | $5.4M | $4.7M | $3.2M | $406K | $-12K | -0.44% | 4.82% | 0.47% | 699 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $2.0M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.30% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -4.4% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.83% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.6% | 81.5% | 91th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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