| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.6 pts |
| Loan growth (YoY) | -8.4% | -2.6% | -5.8 pts |
| ROA | 1.78% | 0.65% | +1.1 pts |
| ROE | 8.5% | 4.4% | +4.1 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.9M | $9.4M | $4.5M | $2.5M | $106K | 1.78% | 4.30% | 1.07% | 1,590 |
| Q1 2026 | $11.7M | $9.2M | $4.7M | $2.4M | $63K | 2.17% | 4.41% | 0.11% | 1,623 |
| Q4 2025 | $11.7M | $9.3M | $5.0M | $2.4M | $200K | 1.71% | 4.53% | 0.00% | 1,619 |
| Q3 2025 | $11.7M | $9.3M | $4.9M | $2.3M | $134K | 1.53% | 4.47% | 0.00% | 1,610 |
| Q2 2025 | $11.6M | $9.2M | $4.9M | $2.3M | $105K | 1.81% | 4.55% | 0.00% | 1,619 |
| Q1 2025 | $11.4M | $9.2M | $4.9M | $2.2M | $48K | 1.68% | 4.37% | 0.10% | 1,649 |
| Q4 2024 | $11.3M | $9.0M | $5.3M | $2.2M | $218K | 1.92% | 4.73% | 0.09% | 1,651 |
| Q3 2024 | $11.4M | $9.2M | $5.2M | $2.1M | $138K | 1.62% | 4.62% | 0.14% | 1,657 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.4M | $9.2M | $5.2M | $2.1M | $117K | 2.06% | 4.60% | 0.08% | 1,657 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 80.6% | 13th |
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: Tarrant, TX, ranked 103rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $9.4M* | 0.01% | 103rd |
Texas: 802nd with 0.00% · Dallas-Fort Worth-Arlington metro: 263rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1