| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.3 pts |
| Loan growth (YoY) | -2.4% | -2.6% | +0.2 pts |
| ROA | -0.19% | 0.65% | -0.8 pts |
| ROE | -0.9% | 4.4% | -5.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.9M | $23.4M | $19.8M | $6.5M | $-28K | -0.19% | 3.87% | 0.07% | 2,581 |
| Q1 2026 | $30.3M | $23.7M | $19.9M | $6.5M | $-23K | -0.30% | 3.76% | 0.30% | 2,619 |
| Q4 2025 | $29.1M | $22.6M | $19.8M | $6.5M | $13K | 0.04% | 4.00% | 0.26% | 2,611 |
| Q3 2025 | $29.3M | $22.7M | $20.2M | $6.5M | $5K | 0.02% | 3.93% | 0.26% | 2,602 |
| Q2 2025 | $30.3M | $23.7M | $20.3M | $6.5M | $-12K | -0.08% | 3.74% | 0.40% | 2,569 |
| Q1 2025 | $31.7M | $25.1M | $20.7M | $6.5M | $-7K | -0.09% | 3.41% | 0.11% | 2,559 |
| Q4 2024 | $29.8M | $23.2M | $21.2M | $6.5M | $67K | 0.23% | 3.59% | 0.17% | 2,642 |
| Q3 2024 | $30.8M | $24.2M | $22.5M | $6.5M | $62K | 0.27% | 3.42% | 0.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,690 |
| Q2 2024 | $32.5M | $26.0M | $22.9M | $6.5M | $44K | 0.27% | 3.18% | 0.36% | 2,665 |
Loan mix (Q2 2026): real estate $9.6M · commercial $0 · consumer $9.4M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.0% | 80.6% | 86th |
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 (+1 vs 2025). Biggest market: Tarrant, TX, ranked 93rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 2 | $23.4M* | 0.03% | 93rd |
Texas: 709th with 0.00% · Dallas-Fort Worth-Arlington metro: 227th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2