| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -6.3% | +0.7% | -7.0 pts |
| Loan growth (YoY) | -0.5% | -2.4% | +1.9 pts |
| ROA | 3.24% | 0.60% | +2.6 pts |
| ROE | 18.1% | 4.1% | +14.0 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.8M | $45.7M | $21.6M | $10.0M | $452K | 3.24% | 4.98% | 0.18% | 4,278 |
| Q4 2025 | $55.3M | $45.7M | $21.6M | $9.5M | $445K | 0.80% | 4.00% | 1.72% | 4,293 |
| Q3 2025 | $57.5M | $47.3M | $21.9M | $10.0M | $885K | 2.05% | 5.15% | 1.22% | 4,272 |
| Q2 2025 | $57.1M | $47.3M | $22.2M | $9.7M | $618K | 2.16% | 5.21% | 0.58% | 4,253 |
| Q1 2025 | $58.3M | $48.8M | $21.7M | $9.4M | $380K | 2.61% | 5.25% | 0.79% | 4,225 |
| Q4 2024 | $57.7M | $48.4M | $22.1M | $9.1M | $399K | 0.69% | 4.22% | 1.15% | 4,207 |
| Q3 2024 | $57.8M | $48.1M | $21.4M | $9.4M | $772K | 1.78% | 5.28% | 0.77% | 4,191 |
| Q2 2024 | $58.0M | $48.6M | $21.4M | $9.2M | $555K | 1.91% | 5.25% | 1.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.24% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,185 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $20.3M · securities $28.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 81.5% | 14th |
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 2 counties across 1 state (+0 vs 2024). Biggest market: Howard, TX, ranked 10th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Howard, TX | 1 | $23.7M* | 1.46% | 10th |
| Mitchell, TX | 1 | $23.7M* | 6.43% | 3rd |
Texas: 622nd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2