| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +1.3% | -8.3 pts |
| Share growth (YoY) | -8.1% | +0.9% | -9.0 pts |
| Loan growth (YoY) | -33.3% | -2.6% | -30.7 pts |
| ROA | -0.73% | 0.65% | -1.4 pts |
| ROE | -7.9% | 4.4% | -12.3 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.6M | $23.1M | $7.8M | $2.4M | $-94K | -0.73% | 3.36% | 1.75% | 1,600 |
| Q1 2026 | $27.1M | $24.5M | $8.6M | $2.4M | $-56K | -0.82% | 3.21% | 0.12% | 1,641 |
| Q4 2025 | $27.9M | $25.2M | $9.8M | $2.5M | $-155K | -0.55% | 3.44% | 0.29% | 1,682 |
| Q3 2025 | $27.7M | $25.4M | $11.1M | $2.5M | $-152K | -0.73% | 3.49% | 0.96% | 2,499 |
| Q2 2025 | $27.6M | $25.1M | $11.7M | $2.5M | $-72K | -0.53% | 3.54% | 0.49% | 2,509 |
| Q1 2025 | $27.3M | $24.9M | $12.4M | $2.5M | $-79K | -1.15% | 3.61% | 0.26% | 2,272 |
| Q4 2024 | $26.8M | $24.0M | $13.7M | $2.6M | $167K | 0.62% | 3.60% | 0.95% | 2,525 |
| Q3 2024 | $27.3M | $24.5M | $13.6M | $2.6M | $256K | 1.25% | 3.51% | 0.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.73% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -7.9% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,523 |
| Q2 2024 | $27.4M | $24.7M | $13.5M | $2.6M | $136K | 0.99% | 3.48% | 0.12% | 3,154 |
Loan mix (Q2 2026): real estate $4.3M · commercial $261K · consumer $2.6M · securities $11.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.9% | 80.6% | 94th |
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: Graves, KY, ranked 10th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Graves, KY | 1 | $23.1M* | 2.22% | 10th |
Kentucky: 191st with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1