| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.8% | -8.2 pts |
| Share growth (YoY) | -4.5% | +4.3% | -8.8 pts |
| Loan growth (YoY) | -16.5% | +4.3% | -20.8 pts |
| ROA | 0.41% | 0.62% | -0.2 pts |
| ROE | 3.9% | 5.9% | -2.0 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $709.0M | $634.5M | $442.9M | $73.8M | $719K | 0.41% | 2.93% | 0.64% | 40,632 |
| Q4 2025 | $702.0M | $628.1M | $462.8M | $72.5M | $1.7M | 0.25% | 3.09% | 0.63% | 40,800 |
| Q3 2025 | $719.5M | $645.9M | $463.6M | $73.4M | $1.2M | 0.22% | 3.00% | 0.73% | 41,036 |
| Q2 2025 | $723.3M | $650.8M | $496.2M | $72.0M | $-210K | -0.06% | 2.90% | 0.94% | 41,194 |
| Q1 2025 | $734.5M | $664.3M | $530.3M | $71.4M | $-741K | -0.40% | 2.72% | 1.09% | 43,824 |
| Q4 2024 | $744.2M | $675.1M | $568.5M | $72.2M | $-2.9M | -0.39% | 2.70% | 1.24% | 44,253 |
| Q3 2024 | $754.6M | $679.0M | $585.6M | $77.7M | $-1.4M | -0.24% | 2.69% | 0.99% | 44,514 |
| Q2 2024 | $760.2M | $682.9M | $607.2M | $79.4M | $368K | 0.10% | 2.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.62% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 45,595 |
Loan mix (Q1 2026): real estate $121.1M · commercial $95.3M · consumer $117.2M · securities $105.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 78.3% | 80th |
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.
6 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Broward, FL, ranked 18th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broward, FL | 5 | $542.4M* | 0.74% | 18th |
| Miami-Dade, FL | 1 | $108.5M* | 0.05% | 58th |
Florida: 108th with 0.07% · Miami-Fort Lauderdale-West Palm Beach metro: 54th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 6 · 2024 6 · 2025 6