| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.1 pts |
| Loan growth (YoY) | +9.5% | -2.4% | +11.8 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.3M | $30.0M | $15.0M | $5.2M | $65K | 0.74% | 3.42% | 0.47% | 2,016 |
| Q4 2025 | $34.9M | $29.5M | $15.2M | $5.2M | $331K | 0.95% | 3.27% | 0.71% | 2,016 |
| Q3 2025 | $34.3M | $29.1M | $14.9M | $5.1M | $284K | 1.11% | 3.40% | 0.76% | 2,007 |
| Q2 2025 | $34.4M | $29.2M | $14.5M | $5.0M | $179K | 1.04% | 3.32% | 0.69% | 2,001 |
| Q1 2025 | $35.0M | $29.8M | $13.7M | $4.9M | $78K | 0.89% | 3.17% | 0.87% | 2,018 |
| Q4 2024 | $34.5M | $29.4M | $13.7M | $4.8M | $244K | 0.71% | 2.75% | 0.64% | 2,011 |
| Q3 2024 | $34.6M | $29.5M | $13.5M | $4.8M | $223K | 0.86% | 2.72% | 0.60% | 2,020 |
| Q2 2024 | $34.2M | $29.4M | $13.3M | $4.7M | $132K | 0.77% | 2.67% | 0.36% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Brazos Star Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,009 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $11.2M · securities $18.1M
33th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 81.5% | 17th |
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 | Brazos Star Credit Union | 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 | Brazos Star Credit Union | 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 | Brazos Star Credit Union | 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 | Brazos Star Credit Union | 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% |
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