| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.5% | +1.3% | +15.2 pts |
| Share growth (YoY) | +14.8% | +0.9% | +13.8 pts |
| Loan growth (YoY) | +24.3% | -2.6% | +26.9 pts |
| ROA | 2.04% | 0.65% | +1.4 pts |
| ROE | 16.4% | 4.4% | +12.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.5M | $34.4M | $14.9M | $4.9M | $402K | 2.04% | 4.07% | 1.82% | 2,815 |
| Q1 2026 | $39.9M | $35.2M | $14.8M | $4.6M | $87K | 0.88% | 4.01% | 0.29% | 2,810 |
| Q4 2025 | $33.5M | $29.4M | $12.5M | $4.0M | $513K | 1.53% | 4.07% | 0.19% | 2,316 |
| Q3 2025 | $33.2M | $29.2M | $12.4M | $3.9M | $390K | 1.57% | 4.01% | 0.66% | 2,315 |
| Q2 2025 | $33.9M | $30.0M | $12.0M | $3.8M | $268K | 1.58% | 3.83% | 0.04% | 2,396 |
| Q1 2025 | $33.6M | $29.9M | $12.0M | $3.6M | $114K | 1.35% | 3.75% | 0.03% | 2,389 |
| Q4 2024 | $33.1M | $29.5M | $11.8M | $3.5M | $331K | 1.00% | 3.32% | 0.08% | 2,374 |
| Q3 2024 | $32.6M | $29.1M | $11.7M | $3.4M | $215K | 0.88% | 3.23% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.04% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,361 |
| Q2 2024 | $33.8M | $30.3M | $11.2M | $3.3M | $121K | 0.71% | 2.90% | 0.10% | 2,345 |
Loan mix (Q2 2026): real estate $5.5M · commercial $0 · consumer $8.1M · securities $19.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 80.6% | 8th |
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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Daviess, KY, ranked 15th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Daviess, KY | 3 | $34.4M* | 1.01% | 15th |
Kentucky: 183rd with 0.02% · Owensboro metro: 17th, 0.94% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 3