| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +6.3% | +0.9% | +5.3 pts |
| Loan growth (YoY) | +10.3% | -2.6% | +12.9 pts |
| ROA | 0.06% | 0.65% | -0.6 pts |
| ROE | 0.5% | 4.4% | -3.9 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.5M | $16.9M | $7.7M | $2.5M | $6K | 0.06% | 3.04% | 0.13% | 1,834 |
| Q1 2026 | $19.6M | $16.9M | $7.9M | $2.5M | $-6K | -0.13% | 2.98% | 0.03% | 1,833 |
| Q4 2025 | $19.1M | $16.5M | $7.4M | $2.5M | $30K | 0.16% | 3.18% | 0.00% | 1,838 |
| Q3 2025 | $19.2M | $16.4M | $7.5M | $2.5M | $19K | 0.13% | 3.15% | 0.00% | 1,864 |
| Q2 2025 | $18.7M | $15.9M | $7.0M | $2.5M | $9K | 0.10% | 3.21% | 0.00% | 1,846 |
| Q1 2025 | $19.2M | $16.2M | $7.1M | $2.5M | $8K | 0.17% | 3.16% | 0.80% | 1,849 |
| Q4 2024 | $18.6M | $15.8M | $7.6M | $2.5M | $25K | 0.14% | 3.07% | 0.00% | 1,857 |
| Q3 2024 | $18.7M | $16.0M | $7.5M | $2.5M | $12K | 0.09% | 2.99% | 0.65% | 1,846 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $19.2M | $16.6M | $7.9M | $2.5M | $5K | 0.05% | 2.75% | 0.00% | 1,842 |
Loan mix (Q2 2026): real estate $739K · commercial $0 · consumer $5.9M · securities $9.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.9% | 80.6% | 84th |
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: Potter, TX, ranked 15th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Potter, TX | 1 | $16.9M* | 0.20% | 15th |
Texas: 747th with 0.00% · Amarillo metro: 26th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1