| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -9.3% | +0.9% | -10.3 pts |
| Loan growth (YoY) | -36.8% | -2.6% | -34.2 pts |
| ROA | -0.77% | 0.65% | -1.4 pts |
| ROE | -6.0% | 4.4% | -10.4 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.2M | $9.8M | $1.3M | $1.4M | $-43K | -0.77% | 3.42% | 0.84% | 1,418 |
| Q1 2026 | $11.6M | $10.1M | $1.6M | $1.5M | $-24K | -0.84% | 3.32% | 0.77% | 1,457 |
| Q4 2025 | $11.8M | $10.3M | $1.8M | $1.5M | $-7K | -0.06% | 3.97% | 1.34% | 1,454 |
| Q3 2025 | $12.1M | $10.6M | $2.0M | $1.5M | $15K | 0.17% | 3.96% | 0.64% | 1,503 |
| Q2 2025 | $12.4M | $10.8M | $2.1M | $1.5M | $5K | 0.09% | 3.81% | 0.84% | 1,530 |
| Q1 2025 | $12.6M | $11.1M | $2.2M | $1.5M | $7K | 0.23% | 3.78% | 1.08% | 1,567 |
| Q4 2024 | $12.5M | $10.9M | $2.2M | $1.5M | $32K | 0.25% | 3.91% | 2.11% | 1,570 |
| Q3 2024 | $13.1M | $11.5M | $2.4M | $1.5M | $27K | 0.28% | 3.71% | 2.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.77% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -6.0% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,593 |
| Q2 2024 | $12.9M | $11.2M | $2.4M | $1.5M | $18K | 0.27% | 3.64% | 1.10% | 1,605 |
Loan mix (Q2 2026): real estate $80K · commercial $0 · consumer $1.1M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 119.7% | 80.6% | 95th |
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 1 state (+2 vs 2025). Biggest market: Travis, TX, ranked 78th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Travis, TX | 1 | $3.3M* | 0.01% | 78th |
| McLennan, TX | 1 | $3.3M* | 0.03% | 41st |
| Harris, TX | 1 | $3.3M* | 0.00% | 159th |
Texas: 798th with 0.00% · Waco metro: 46th, 0.03% · Austin-Round Rock-San Marcos metro: 100th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3