| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.6 pts |
| Loan growth (YoY) | -4.1% | -2.4% | -1.8 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.6M | $26.7M | $17.8M | $3.9M | $63K | 0.83% | 1.91% | 0.31% | 2,137 |
| Q4 2025 | $30.2M | $26.2M | $18.4M | $3.9M | $168K | 0.56% | 1.67% | 0.50% | 2,141 |
| Q3 2025 | $30.1M | $26.3M | $18.8M | $3.8M | $124K | 0.55% | 1.60% | 0.43% | 2,146 |
| Q2 2025 | $29.6M | $25.8M | $18.7M | $3.8M | $59K | 0.40% | 1.49% | 0.14% | 2,147 |
| Q1 2025 | $29.0M | $25.3M | $18.6M | $3.7M | $15K | 0.21% | 1.27% | 0.30% | 2,142 |
| Q4 2024 | $28.8M | $25.1M | $18.8M | $3.7M | $56K | 0.20% | 1.28% | 0.33% | 2,143 |
| Q3 2024 | $28.4M | $24.7M | $19.0M | $3.7M | $56K | 0.26% | 1.39% | 0.82% | 2,125 |
| Q2 2024 | $28.6M | $24.5M | $18.9M | $3.6M | $13K | 0.09% | 1.24% | 0.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 1.91% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% |
Peer lists, growth filters, CSV export, CRM push.
| 2,129 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $15.5M · securities $11.0M
| 81.5% |
| — |
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 2024). Biggest market: Beauregard, LA, ranked 10th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beauregard, LA | 1 | $25.8M* | 2.64% | 10th |
Louisiana: 184th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1