| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -3.6% | +0.9% | -4.5 pts |
| Loan growth (YoY) | -0.7% | -2.6% | +1.9 pts |
| ROA | -1.74% | 0.65% | -2.4 pts |
| ROE | -16.0% | 4.4% | -20.4 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.1M | $39.1M | $35.8M | $4.8M | $-383K | -1.74% | 5.10% | 3.63% | 3,954 |
| Q1 2026 | $44.1M | $39.1M | $36.2M | $5.0M | $-216K | -1.96% | 5.33% | 1.72% | 3,803 |
| Q4 2025 | $43.7M | $38.5M | $36.6M | $5.2M | $303K | 0.69% | 5.72% | 3.72% | 3,209 |
| Q3 2025 | $45.1M | $39.8M | $36.6M | $5.3M | $270K | 0.80% | 5.62% | 3.34% | 3,219 |
| Q2 2025 | $45.5M | $40.6M | $36.1M | $5.2M | $184K | 0.81% | 5.57% | 4.23% | 3,257 |
| Q1 2025 | $47.9M | $42.9M | $35.6M | $5.1M | $113K | 0.95% | 5.39% | 4.09% | 3,271 |
| Q4 2024 | $47.0M | $42.2M | $36.2M | $5.0M | $414K | 0.88% | 5.30% | 5.20% | 3,304 |
| Q3 2024 | $46.8M | $42.0M | $37.4M | $5.2M | $425K | 1.21% | 5.30% | 4.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.74% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -16.0% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,326 |
| Q2 2024 | $47.6M | $42.4M | $37.3M | $5.2M | $302K | 1.27% | 5.14% | 6.41% | 3,347 |
Loan mix (Q2 2026): real estate $20.6M · commercial $419K · consumer $13.9M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 80.6% | 75th |
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 3 counties across 2 states (+1 vs 2025). Biggest market: Collin, TX, ranked 112th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Collin, TX | 1 | $13.0M* | 0.03% | 112th |
| DeKalb, GA | 1 | $13.0M* | 0.07% | 36th |
| Fulton, GA | 1 | $13.0M* | 0.01% | 63rd |
Georgia: 235th with 0.01% · Texas: 774th with 0.00% · Atlanta-Sandy Springs-Roswell metro: 110th, 0.01% · Dallas-Fort Worth-Arlington metro: 257th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3