| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.5% | +1.3% | -14.8 pts |
| Share growth (YoY) | -19.3% | +0.9% | -20.2 pts |
| Loan growth (YoY) | -9.6% | -2.6% | -6.9 pts |
| ROA | 0.55% | 0.65% | -0.1 pts |
| ROE | 1.7% | 4.4% | -2.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.9M | $2.6M | $2.2M | $1.3M | $11K | 0.55% | 3.85% | 1.54% | 378 |
| Q1 2026 | $4.5M | $3.2M | $2.3M | $1.3M | $5K | 0.44% | 3.22% | 1.90% | 386 |
| Q4 2025 | $4.5M | $3.2M | $2.4M | $1.3M | $19K | 0.41% | 3.16% | 2.50% | 388 |
| Q3 2025 | $4.5M | $3.2M | $2.4M | $1.3M | $16K | 0.46% | 3.19% | 1.65% | 394 |
| Q2 2025 | $4.5M | $3.3M | $2.4M | $1.3M | $11K | 0.49% | 3.12% | 0.56% | 397 |
| Q1 2025 | $4.5M | $3.2M | $2.6M | $1.2M | $2K | 0.16% | 2.91% | 5.67% | 404 |
| Q4 2024 | $4.4M | $3.2M | $2.6M | $1.2M | $7K | 0.16% | 2.72% | 5.51% | 405 |
| Q3 2024 | $4.5M | $3.2M | $2.6M | $1.2M | $6K | 0.16% | 2.63% | 0.30% | 410 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.6M |
| $3.3M |
| $2.7M |
| $1.2M |
| $7K |
| 0.30% |
| 2.63% |
| 0.18% |
| 410 |
Loan mix (Q2 2026): real estate $1.6M · commercial $0 · consumer $358K · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 80.6% | 50th |
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: Buckingham, VA, ranked 4th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Buckingham, VA | 1 | $2.6M* | 1.94% | 4th |
Virginia: 223rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1