| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.4% | +3.9% | +10.5 pts |
| Share growth (YoY) | +15.7% | +3.3% | +12.4 pts |
| Loan growth (YoY) | +10.0% | +2.9% | +7.1 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $267.7M | $184.7M | $208.2M | $33.5M | $435K | 0.65% | 3.23% | 0.72% | 10,887 |
| Q4 2025 | $253.8M | $171.2M | $199.6M | $33.1M | $901K | 0.35% | 3.17% | 1.59% | 10,582 |
| Q3 2025 | $245.2M | $171.0M | $194.8M | $33.1M | $837K | 0.45% | 3.22% | 1.32% | 10,425 |
| Q2 2025 | $232.9M | $159.7M | $188.4M | $32.7M | $482K | 0.41% | 3.33% | 0.76% | 10,219 |
| Q1 2025 | $234.0M | $159.7M | $189.2M | $32.6M | $330K | 0.56% | 3.28% | 0.65% | 9,745 |
| Q4 2024 | $236.4M | $162.9M | $193.3M | $32.3M | $205K | 0.09% | 3.01% | 0.97% | 9,791 |
| Q3 2024 | $230.4M | $158.0M | $182.8M | $32.4M | $329K | 0.19% | 3.02% | 0.37% | 9,966 |
| Q2 2024 | $221.8M | $152.7M | $167.9M | $32.4M | $308K | 0.28% | 3.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 9,780 |
Loan mix (Q1 2026): real estate $102.0M · commercial $53.6M · consumer $43.4M · securities $19.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 78.7% | 60th |
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.
5 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Caddo, LA, ranked 16th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, LA | 3 | $95.8M* | 1.61% | 16th |
| Bossier, LA | 2 | $63.9M* | 1.83% | 10th |
Louisiana: 106th with 0.11% · Shreveport-Bossier City metro: 15th, 1.53% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 4 · 2024 5 · 2025 5