| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -8.3% | +0.9% | -9.3 pts |
| Loan growth (YoY) | -11.3% | -2.6% | -8.6 pts |
| ROA | 0.80% | 0.65% | +0.2 pts |
| ROE | 1.3% | 4.4% | -3.1 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.9M | $1.1M | $1.1M | $1.8M | $12K | 0.80% | 3.19% | 0.72% | 331 |
| Q1 2026 | $2.9M | $1.1M | $1.1M | $1.8M | $6K | 0.82% | 3.19% | 0.39% | 335 |
| Q4 2025 | $2.9M | $1.1M | $1.1M | $1.8M | $29K | 0.99% | 3.45% | 0.53% | 341 |
| Q3 2025 | $3.0M | $1.2M | $1.2M | $1.8M | $25K | 1.10% | 3.42% | 0.10% | 337 |
| Q2 2025 | $3.0M | $1.2M | $1.2M | $1.8M | $16K | 1.11% | 3.52% | 0.05% | 328 |
| Q1 2025 | $3.0M | $1.2M | $1.1M | $1.8M | $10K | 1.40% | 3.74% | 0.08% | 322 |
| Q4 2024 | $3.1M | $1.4M | $1.2M | $1.7M | $40K | 1.26% | 3.33% | 0.00% | 323 |
| Q3 2024 | $3.2M | $1.4M | $1.1M | $1.7M | $32K | 1.33% | 3.27% | 0.00% | 326 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.1M |
| $1.4M |
| $1.1M |
| $1.7M |
| $22K |
| 1.39% |
| 3.32% |
| 0.10% |
| 330 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $997K · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 80.6% | 36th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Bee, TX, ranked 9th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bee, TX | 2 | $1.1M* | 0.19% | 9th |
Texas: 902nd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2