| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -0.9% | +0.9% | -1.9 pts |
| Loan growth (YoY) | -5.3% | -2.6% | -2.7 pts |
| ROA | 1.82% | 0.65% | +1.2 pts |
| ROE | 12.3% | 4.4% | +7.9 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.6M | $43.8M | $25.2M | $7.6M | $470K | 1.82% | 3.38% | 0.00% | 1,798 |
| Q1 2026 | $51.9M | $44.4M | $25.3M | $7.4M | $283K | 2.18% | 3.73% | 0.11% | 1,806 |
| Q4 2025 | $51.2M | $43.8M | $26.5M | $7.3M | $655K | 1.28% | 2.73% | 0.13% | 1,814 |
| Q3 2025 | $51.2M | $43.9M | $27.0M | $7.2M | $518K | 1.35% | 2.73% | 0.00% | 1,840 |
| Q2 2025 | $51.3M | $44.2M | $26.6M | $7.0M | $334K | 1.30% | 2.80% | 0.00% | 1,840 |
| Q1 2025 | $52.2M | $45.2M | $25.6M | $6.9M | $261K | 2.00% | 3.08% | 0.00% | 1,910 |
| Q4 2024 | $51.0M | $44.1M | $26.0M | $6.8M | $371K | 0.73% | 2.19% | 0.14% | 1,913 |
| Q3 2024 | $50.4M | $43.4M | $26.6M | $6.7M | $325K | 0.86% | 2.31% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 0.65% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 4.4% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,944 |
| Q2 2024 | $51.9M | $45.2M | $26.2M | $6.6M | $229K | 0.88% | 2.32% | 0.07% | 1,950 |
Loan mix (Q2 2026): real estate $6.0M · commercial $0 · consumer $16.1M · securities $22.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 80.6% | 4th |
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: Kanawha, WV, ranked 15th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kanawha, WV | 1 | $43.8M* | 0.60% | 15th |
West Virginia: 88th with 0.08% · Charleston metro: 17th, 0.56% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1