| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.5 pts |
| Share growth (YoY) | -5.0% | +0.9% | -5.9 pts |
| Loan growth (YoY) | -9.7% | -2.6% | -7.1 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.7M | $10.5M | $7.1M | $5.2M | $53K | 0.68% | 4.84% | 0.14% | 1,578 |
| Q1 2026 | $15.7M | $10.6M | $7.2M | $5.1M | $-26K | -0.67% | 4.87% | 0.11% | 1,481 |
| Q4 2025 | $15.7M | $10.6M | $7.5M | $5.1M | $273K | 1.73% | 4.99% | 0.13% | 1,491 |
| Q3 2025 | $15.7M | $10.6M | $7.6M | $5.1M | $236K | 2.01% | 4.98% | 0.72% | 1,510 |
| Q2 2025 | $15.9M | $11.0M | $7.9M | $4.8M | $-36K | -0.45% | 4.84% | 0.32% | 1,518 |
| Q1 2025 | $15.9M | $11.0M | $8.3M | $4.9M | $70K | 1.76% | 4.81% | 0.08% | 1,531 |
| Q4 2024 | $15.8M | $10.9M | $8.8M | $4.8M | $160K | 1.02% | 5.07% | 0.41% | 1,553 |
| Q3 2024 | $15.9M | $11.2M | $9.4M | $4.8M | $95K | 0.80% | 5.03% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,571 |
| Q2 2024 | $16.5M | $11.7M | $9.8M | $4.7M | $52K | 0.63% | 4.83% | 0.27% | 1,580 |
Loan mix (Q2 2026): real estate $263K · commercial $0 · consumer $5.6M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 80.6% | 27th |
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: St. Charles, LA, ranked 9th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Charles, LA | 2 | $10.5M* | 1.17% | 9th |
Louisiana: 206th with 0.01% · New Orleans-Metairie metro: 55th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2