| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +6.2% | +0.9% | +5.3 pts |
| Loan growth (YoY) | -17.6% | -2.6% | -15.0 pts |
| ROA | -2.29% | 0.65% | -2.9 pts |
| ROE | -16.1% | 4.4% | -20.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.3M | $3.7M | $1.6M | $615K | $-49K | -2.29% | 3.62% | 4.41% | 757 |
| Q1 2026 | $4.3M | $3.6M | $1.6M | $649K | $-15K | -1.43% | 4.06% | 3.78% | 803 |
| Q4 2025 | $4.2M | $3.5M | $1.8M | $652K | $-47K | -1.12% | 4.94% | 2.37% | 803 |
| Q3 2025 | $4.2M | $3.5M | $1.9M | $675K | $-24K | -0.78% | 5.22% | 0.55% | 790 |
| Q2 2025 | $4.1M | $3.5M | $1.9M | $673K | $-26K | -1.25% | 5.45% | 2.25% | 796 |
| Q1 2025 | $4.1M | $3.4M | $2.1M | $664K | $-35K | -3.44% | 6.80% | 4.14% | 795 |
| Q4 2024 | $4.0M | $3.3M | $2.0M | $699K | $26K | 0.65% | 3.82% | 5.09% | 799 |
| Q3 2024 | $4.2M | $3.5M | $2.1M | $687K | $12K | 0.40% | 3.49% | 4.26% | 800 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.29% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -16.1% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.3M | $3.6M | $2.1M | $685K | $11K | 0.53% | 3.41% | 3.95% | 794 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 123.5% | 80.6% | 96th |
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: Bell, TX, ranked 27th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bell, TX | 1 | $3.7M* | 0.04% | 27th |
Texas: 863rd with 0.00% · Killeen-Temple metro: 32nd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1