| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.1 pts |
| Loan growth (YoY) | -13.8% | -2.6% | -11.1 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 1.5% | 4.4% | -2.8 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.5M | $16.0M | $11.1M | $1.9M | $14K | 0.15% | 3.97% | 0.41% | 1,888 |
| Q1 2026 | $17.8M | $15.4M | $12.7M | $1.8M | $9K | 0.20% | 4.16% | 1.57% | 1,904 |
| Q4 2025 | $17.9M | $15.8M | $11.9M | $1.8M | $19K | 0.11% | 3.96% | 2.64% | 1,899 |
| Q3 2025 | $17.7M | $15.9M | $12.7M | $1.8M | $16K | 0.12% | 4.07% | 1.08% | 1,900 |
| Q2 2025 | $17.6M | $15.8M | $12.9M | $1.8M | $9K | 0.10% | 4.06% | 1.49% | 1,867 |
| Q1 2025 | $17.0M | $15.2M | $13.5M | $1.8M | $3K | 0.08% | 4.30% | 0.25% | 1,845 |
| Q4 2024 | $17.6M | $15.7M | $13.4M | $1.8M | $31K | 0.18% | 4.08% | 2.17% | 1,849 |
| Q3 2024 | $17.5M | $15.7M | $13.7M | $1.8M | $26K | 0.20% | 4.24% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,829 |
| Q2 2024 | $17.9M | $16.0M | $13.6M | $1.8M | $20K | 0.23% | 4.35% | 2.90% | 1,804 |
Loan mix (Q2 2026): real estate $5.0M · commercial $0 · consumer $5.5M · securities $7K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 80.6% | 82nd |
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 2 counties across 2 states (+1 vs 2025). Biggest market: McLennan, TX, ranked 34th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLennan, TX | 2 | $10.7M* | 0.11% | 34th |
| Salt Lake, UT | 1 | $5.3M* | 0.00% | 126th |
Texas: 793rd with 0.00% · Utah: 154th with 0.00% · Waco metro: 39th, 0.10% · Salt Lake City-Murray metro: 126th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3