| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +2.9% | +0.9% | +2.0 pts |
| Loan growth (YoY) | +716.2% | -2.6% | +718.8 pts |
| ROA | -0.06% | 0.65% | -0.7 pts |
| ROE | -0.2% | 4.4% | -4.6 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $601K | $453K | $140K | $148K | $-179 | -0.06% | 0.04% | 0.00% | 94 |
| Q1 2026 | $604K | $455K | $141K | $149K | $3K | 1.69% | 1.89% | 0.00% | 94 |
| Q4 2025 | $593K | $443K | $129K | $150K | $15K | 2.49% | 2.49% | 0.00% | 97 |
| Q3 2025 | $592K | $441K | $16K | $151K | $12K | 2.80% | 2.96% | 0.00% | 96 |
| Q2 2025 | $583K | $440K | $17K | $142K | $-175 | -0.06% | 0.20% | 0.00% | 92 |
| Q1 2025 | $601K | $460K | $9K | $141K | $-729 | -0.48% | 0.20% | 25.35% | 95 |
| Q4 2024 | $598K | $458K | $22K | $139K | $-5K | -0.77% | 0.04% | 1.33% | 95 |
| Q3 2024 | $599K | $459K | $24K | $140K | $-4K | -0.99% | 0.20% | 0.00% | 95 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $593K |
| $454K |
| $7K |
| $139K |
| $-4K |
| -1.48% |
| 0.15% |
| 0.00% |
| 95 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $140K · securities $176K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 247.9% | 80.6% | 99th |
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: Caddo, LA, ranked 37th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, LA | 1 | $453K* | 0.01% | 37th |
Louisiana: 256th with 0.00% · Shreveport-Bossier City metro: 38th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1