| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -7.3% | +0.9% | -8.3 pts |
| Loan growth (YoY) | -11.5% | -2.6% | -8.9 pts |
| ROA | 0.99% | 0.65% | +0.3 pts |
| ROE | 5.6% | 4.4% | +1.2 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.0M | $13.8M | $11.1M | $3.0M | $84K | 0.99% | 4.96% | 2.58% | 2,030 |
| Q1 2026 | $17.6M | $14.5M | $11.3M | $3.0M | $35K | 0.80% | 4.79% | 2.29% | 2,039 |
| Q4 2025 | $17.2M | $13.8M | $11.8M | $2.9M | $241K | 1.40% | 5.42% | 2.64% | 2,072 |
| Q3 2025 | $17.6M | $14.5M | $12.2M | $2.9M | $210K | 1.59% | 5.33% | 1.24% | 2,396 |
| Q2 2025 | $18.0M | $14.9M | $12.5M | $2.9M | $134K | 1.49% | 5.19% | 0.86% | 2,092 |
| Q1 2025 | $18.3M | $15.3M | $13.3M | $2.8M | $55K | 1.20% | 5.02% | 0.86% | 2,107 |
| Q4 2024 | $17.5M | $14.5M | $13.6M | $2.7M | $120K | 0.68% | 4.97% | 1.56% | 2,105 |
| Q3 2024 | $17.6M | $14.6M | $13.7M | $2.7M | $78K | 0.60% | 4.87% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,128 |
| Q2 2024 | $18.1M | $15.1M | $14.2M | $2.7M | $54K | 0.60% | 4.62% | 1.26% | 2,134 |
Loan mix (Q2 2026): real estate $137K · commercial $0 · consumer $8.7M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 80.6% | 33rd |
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: White, AR, ranked 9th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| White, AR | 1 | $13.8M* | 0.62% | 9th |
Arkansas: 144th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1