| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +2.9% | +0.9% | +1.9 pts |
| Loan growth (YoY) | -4.4% | -2.6% | -1.8 pts |
| ROA | 1.10% | 0.65% | +0.5 pts |
| ROE | 4.4% | 4.4% | +0.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.9M | $5.2M | $4.6M | $1.7M | $38K | 1.10% | 3.99% | 1.15% | 779 |
| Q1 2026 | $7.0M | $5.3M | $4.5M | $1.7M | $22K | 1.24% | 3.86% | 1.21% | 784 |
| Q4 2025 | $6.7M | $5.1M | $4.8M | $1.7M | $81K | 1.20% | 4.01% | 2.00% | 788 |
| Q3 2025 | $6.8M | $5.1M | $4.8M | $1.6M | $50K | 0.99% | 3.95% | 1.40% | 783 |
| Q2 2025 | $6.7M | $5.0M | $4.8M | $1.6M | $28K | 0.84% | 3.98% | 2.44% | 781 |
| Q1 2025 | $6.6M | $5.0M | $4.9M | $1.6M | $433 | 0.03% | 3.94% | 3.53% | 782 |
| Q4 2024 | $6.5M | $4.9M | $4.9M | $1.6M | $61K | 0.93% | 4.14% | 3.99% | 780 |
| Q3 2024 | $6.5M | $4.9M | $4.7M | $1.6M | $57K | 1.17% | 4.14% | 4.77% | 779 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.3M | $4.7M | $4.6M | $1.6M | $40K | 1.27% | 4.28% | 3.63% | 776 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.6M · securities $511K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 80.6% | 35th |
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: Rapides, LA, ranked 27th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rapides, LA | 1 | $5.2M* | 0.13% | 27th |
Louisiana: 219th with 0.00% · Alexandria metro: 27th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1