| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +7.6% | +0.9% | +6.7 pts |
| Loan growth (YoY) | -4.6% | -2.6% | -2.0 pts |
| ROA | 0.18% | 0.65% | -0.5 pts |
| ROE | 1.3% | 4.4% | -3.1 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.8M | $30.6M | $11.9M | $4.9M | $31K | 0.18% | 2.47% | 0.00% | 3,300 |
| Q1 2026 | $36.0M | $30.9M | $11.9M | $4.9M | $10K | 0.12% | 2.41% | 0.20% | 3,407 |
| Q4 2025 | $34.5M | $29.1M | $12.3M | $4.9M | $252K | 0.73% | 2.94% | 0.38% | 3,425 |
| Q3 2025 | $33.5M | $28.2M | $12.6M | $4.9M | $228K | 0.91% | 3.16% | 0.67% | 3,434 |
| Q2 2025 | $33.8M | $28.5M | $12.4M | $4.9M | $160K | 0.95% | 3.14% | 0.47% | 3,431 |
| Q1 2025 | $33.3M | $28.2M | $12.5M | $4.8M | $8K | 0.09% | 3.25% | 0.07% | 3,810 |
| Q4 2024 | $31.1M | $26.2M | $12.9M | $4.7M | $508K | 1.63% | 3.75% | 0.04% | 3,552 |
| Q3 2024 | $30.6M | $25.5M | $12.9M | $4.6M | $383K | 1.67% | 3.88% | 0.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,551 |
| Q2 2024 | $31.3M | $26.7M | $12.5M | $4.4M | $304K | 1.94% | 3.78% | 0.01% | 3,548 |
Loan mix (Q2 2026): real estate $530K · commercial $0 · consumer $10.1M · securities $13.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.6% | 80.6% | 82nd |
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: Jefferson, TX, ranked 26th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, TX | 1 | $30.6M* | 0.34% | 26th |
Texas: 677th with 0.00% · Beaumont-Port Arthur metro: 30th, 0.25% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1