| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +1.3% | -8.3 pts |
| Share growth (YoY) | -8.5% | +0.9% | -9.4 pts |
| Loan growth (YoY) | +3.0% | -2.6% | +5.7 pts |
| ROA | 0.43% | 0.65% | -0.2 pts |
| ROE | 2.2% | 4.4% | -2.1 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.1M | $8.8M | $4.9M | $2.1M | $24K | 0.43% | 3.67% | 0.97% | 1,124 |
| Q1 2026 | $11.3M | $9.1M | $4.8M | $2.1M | $2K | 0.08% | 3.53% | 0.99% | 1,128 |
| Q4 2025 | $11.5M | $9.2M | $4.9M | $2.1M | $15K | 0.13% | 3.67% | 2.21% | 1,155 |
| Q3 2025 | $11.6M | $9.3M | $4.7M | $2.1M | $8K | 0.10% | 3.66% | 1.31% | 1,221 |
| Q2 2025 | $12.0M | $9.6M | $4.8M | $2.1M | $4K | 0.07% | 3.56% | 1.29% | 1,224 |
| Q1 2025 | $11.8M | $9.5M | $4.7M | $2.1M | $2K | 0.06% | 3.60% | 1.29% | 1,222 |
| Q4 2024 | $12.0M | $9.7M | $4.7M | $2.1M | $31K | 0.26% | 3.72% | 2.31% | 1,240 |
| Q3 2024 | $12.4M | $10.1M | $4.7M | $2.1M | $21K | 0.22% | 3.69% | 1.14% | 1,281 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $12.6M | $10.3M | $5.0M | $2.1M | $13K | 0.20% | 3.67% | 1.00% | 1,304 |
Loan mix (Q2 2026): real estate $39K · commercial $0 · consumer $3.7M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 80.6% | 41st |
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 (+0 vs 2025). Biggest market: Lafayette, LA, ranked 42nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lafayette, LA | 3 | $8.8M* | 0.09% | 42nd |
Louisiana: 210th with 0.01% · Lafayette metro: 54th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3