| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.3% | +0.9% | +2.4 pts |
| Loan growth (YoY) | -7.1% | -2.6% | -4.5 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 1.6% | 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 | $44.5M | $39.9M | $25.6M | $4.4M | $34K | 0.15% | 2.76% | 1.88% | 3,600 |
| Q1 2026 | $44.7M | $40.2M | $25.0M | $4.3M | $6K | 0.06% | 2.71% | 1.04% | 3,631 |
| Q4 2025 | $43.8M | $39.3M | $26.2M | $4.3M | $993 | 0.00% | 2.64% | 3.25% | 3,655 |
| Q3 2025 | $42.3M | $37.8M | $26.6M | $4.3M | $-14K | -0.04% | 2.72% | 3.36% | 3,707 |
| Q2 2025 | $43.1M | $38.7M | $27.6M | $4.3M | $-37K | -0.17% | 2.53% | 3.17% | 3,747 |
| Q1 2025 | $47.7M | $43.2M | $27.7M | $4.3M | $9K | 0.07% | 2.05% | 2.58% | 3,768 |
| Q4 2024 | $46.6M | $42.1M | $26.9M | $4.3M | $-105K | -0.23% | 2.31% | 3.71% | 3,770 |
| Q3 2024 | $46.5M | $41.9M | $27.5M | $4.3M | $-97K | -0.28% | 2.38% | 1.85% |
| 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 | 1.6% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,791 |
| Q2 2024 | $46.4M | $41.8M | $28.2M | $4.4M | $-57K | -0.24% | 2.39% | 2.72% | 3,818 |
Loan mix (Q2 2026): real estate $7.0M · commercial $0 · consumer $13.5M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 80.6% | 78th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Calcasieu, LA, ranked 22nd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calcasieu, LA | 2 | $39.9M* | 0.68% | 22nd |
Louisiana: 171st with 0.03% · Lake Charles metro: 23rd, 0.59% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2