| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | +3.0% | -2.6% | +5.6 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 5.1% | 4.4% | +0.7 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.0M | $11.0M | $9.9M | $949K | $24K | 0.40% | 4.95% | 0.72% | 1,704 |
| Q1 2026 | $12.3M | $11.4M | $9.6M | $903K | $-93K | -3.03% | 4.63% | 1.39% | 1,701 |
| Q4 2025 | $11.7M | $10.8M | $9.2M | $925K | $-60K | -0.51% | 4.85% | 2.82% | 1,756 |
| Q3 2025 | $11.7M | $10.8M | $9.4M | $923K | $-22K | -0.25% | 4.87% | 1.83% | 1,749 |
| Q2 2025 | $12.2M | $11.0M | $9.6M | $936K | $-5K | -0.09% | 4.59% | 1.08% | 1,751 |
| Q1 2025 | $12.2M | $11.3M | $9.6M | $922K | $-18K | -0.60% | 4.49% | 0.63% | 1,738 |
| Q4 2024 | $12.0M | $11.1M | $9.7M | $940K | $22K | 0.18% | 4.38% | 1.20% | 1,723 |
| Q3 2024 | $11.3M | $10.3M | $9.7M | $900K | $77K | 0.91% | 4.66% | 0.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,707 |
| Q2 2024 | $11.3M | $10.4M | $9.4M | $874K | $77K | 1.36% | 4.60% | 0.70% | 1,689 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.7M · securities $844K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 80.6% | 39th |
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: Pleasants, WV, ranked 4th with 6.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pleasants, WV | 3 | $11.0M* | 5.95% | 4th |
West Virginia: 122nd with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3