| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.6% | +1.3% | -14.9 pts |
| Share growth (YoY) | -14.4% | +0.7% | -15.1 pts |
| Loan growth (YoY) | -16.5% | -2.4% | -14.2 pts |
| ROA | -2.38% | 0.60% | -3.0 pts |
| ROE | -13.4% | 4.1% | -17.5 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.0M | $16.3M | $14.8M | $3.6M | $-119K | -2.38% | 4.04% | 3.15% | 1,957 |
| Q4 2025 | $20.0M | $16.1M | $15.3M | $3.7M | $-756K | -3.78% | 4.56% | 2.64% | 1,958 |
| Q3 2025 | $20.7M | $16.8M | $16.1M | $3.7M | $-742K | -4.79% | 4.52% | 2.61% | 1,973 |
| Q2 2025 | $22.3M | $18.3M | $17.2M | $3.8M | $-629K | -5.65% | 4.24% | 1.98% | 2,018 |
| Q1 2025 | $23.2M | $19.1M | $17.8M | $3.9M | $-573K | -9.90% | 4.02% | 2.95% | 2,159 |
| Q4 2024 | $25.3M | $20.7M | $18.6M | $4.4M | $-451K | -1.78% | 4.45% | 1.24% | 2,160 |
| Q3 2024 | $26.9M | $22.2M | $19.8M | $4.6M | $-304K | -1.51% | 4.29% | 1.63% | 2,161 |
| Q2 2024 | $28.3M | $23.4M | $21.2M | $4.6M | $-248K | -1.75% | 4.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.38% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -13.4% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1.98% |
| 2,278 |
Loan mix (Q1 2026): real estate $630K · commercial $0 · consumer $12.8M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.5% | 81.5% | 91st |
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: Brazoria, TX, ranked 35th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brazoria, TX | 1 | $18.3M* | 0.22% | 35th |
Texas: 722nd with 0.00% · Houston-Pasadena-The Woodlands metro: 160th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1