| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +1.3% | +6.8 pts |
| Share growth (YoY) | +7.7% | +0.9% | +6.7 pts |
| Loan growth (YoY) | +11.5% | -2.6% | +14.1 pts |
| ROA | 1.73% | 0.65% | +1.1 pts |
| ROE | 10.1% | 4.4% | +5.7 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.3M | $22.6M | $9.1M | $4.7M | $237K | 1.73% | 3.91% | 2.32% | 2,079 |
| Q1 2026 | $27.4M | $22.7M | $8.7M | $4.6M | $133K | 1.94% | 3.88% | 2.25% | 2,125 |
| Q4 2025 | $26.7M | $22.2M | $8.4M | $4.5M | $453K | 1.70% | 4.08% | 1.10% | 2,273 |
| Q3 2025 | $25.5M | $21.1M | $8.5M | $4.3M | $248K | 1.30% | 4.29% | 0.75% | 2,024 |
| Q2 2025 | $25.3M | $21.0M | $8.1M | $4.2M | $224K | 1.77% | 4.36% | 0.85% | 2,254 |
| Q1 2025 | $25.3M | $21.0M | $8.2M | $4.1M | $106K | 1.67% | 4.39% | 1.80% | 2,002 |
| Q4 2024 | $24.6M | $20.6M | $7.8M | $4.0M | $491K | 1.99% | 4.48% | 1.01% | 2,203 |
| Q3 2024 | $24.2M | $20.2M | $7.4M | $3.9M | $320K | 1.77% | 4.52% | 1.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,971 |
| Q2 2024 | $24.4M | $20.6M | $7.7M | $3.8M | $202K | 1.65% | 4.36% | 1.50% | 1,956 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.8M · securities $15.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 80.6% | 11th |
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: Anderson, TX, ranked 10th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anderson, TX | 2 | $15.1M* | 1.63% | 10th |
| Cherokee, TX | 1 | $7.5M* | 0.65% | 10th |
Texas: 713th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3