| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | +0.1% | +0.9% | -0.8 pts |
| Loan growth (YoY) | -1.8% | -2.6% | +0.8 pts |
| ROA | -1.41% | 0.65% | -2.1 pts |
| ROE | -16.7% | 4.4% | -21.1 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $1.6M | $992K | $150K | $-12K | -1.41% | 3.33% | 0.00% | 388 |
| Q1 2026 | $1.8M | $1.6M | $1.0M | $155K | $-7K | -1.61% | 3.35% | 0.14% | 391 |
| Q4 2025 | $1.8M | $1.6M | $924K | $162K | $-13K | -0.72% | 3.24% | 0.00% | 390 |
| Q3 2025 | $1.8M | $1.6M | $986K | $168K | $-7K | -0.53% | 3.31% | 0.00% | 390 |
| Q2 2025 | $1.8M | $1.6M | $1.0M | $171K | $-4K | -0.50% | 3.32% | 0.00% | 391 |
| Q1 2025 | $1.7M | $1.5M | $996K | $172K | $-3K | -0.68% | 3.55% | 0.00% | 385 |
| Q4 2024 | $1.5M | $1.3M | $1.1M | $175K | $11K | 0.72% | 5.38% | 0.00% | 391 |
| Q3 2024 | $1.5M | $1.3M | $1.2M | $174K | $10K | 0.86% | 5.47% | 0.00% | 398 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.41% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -16.7% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.6M | $1.4M | $1.3M | $173K | $8K | 1.03% | 5.08% | 0.00% | 400 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $973K · securities $350K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 134.3% | 80.6% | 97th |
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 2 counties across 1 state (+2 vs 2025). Biggest market: Brazoria, TX, ranked 42nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brazoria, TX | 2 | $1.1M* | 0.01% | 42nd |
| Harris, TX | 1 | $541K* | 0.00% | 175th |
Texas: 897th with 0.00% · Houston-Pasadena-The Woodlands metro: 200th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3