| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -4.9% | -2.4% | -2.5 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.8M | $81.2M | $44.5M | $11.9M | $45K | 0.19% | 3.85% | 0.97% | 6,330 |
| Q4 2025 | $90.5M | $77.6M | $45.6M | $11.9M | $280K | 0.31% | 4.03% | 1.59% | 6,520 |
| Q3 2025 | $90.3M | $77.6M | $46.8M | $11.9M | $238K | 0.35% | 3.99% | 1.61% | 6,399 |
| Q2 2025 | $92.0M | $79.0M | $47.2M | $11.9M | $174K | 0.38% | 3.85% | 1.46% | 6,421 |
| Q1 2025 | $93.4M | $80.6M | $46.8M | $11.8M | $93K | 0.40% | 3.69% | 1.51% | 6,483 |
| Q4 2024 | $90.0M | $77.2M | $48.5M | $11.7M | $245K | 0.27% | 3.63% | 1.41% | 6,558 |
| Q3 2024 | $92.5M | $79.7M | $51.4M | $11.6M | $147K | 0.21% | 3.51% | 1.53% | 6,663 |
| Q2 2024 | $93.2M | $80.6M | $52.9M | $11.7M | $105K | 0.23% | 3.45% | 1.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,755 |
Loan mix (Q1 2026): real estate $18.6M · commercial $0 · consumer $16.0M · securities $25.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 81.5% | 76th |
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.
4 branches in 3 counties across 1 state (+0 vs 2024). Biggest market: Wake, NC, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wake, NC | 2 | $39.5M* | 0.04% | 39th |
| Pitt, NC | 1 | $19.8M* | 0.42% | 15th |
| Vance, NC | 1 | $19.8M* | 2.29% | 9th |
North Carolina: 101st with 0.01% · Raleigh-Cary metro: 43rd, 0.03% · Greenville metro: 15th, 0.42% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 5 · 2024 4 · 2025 4