| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.5 pts |
| Share growth (YoY) | -3.5% | +0.9% | -4.5 pts |
| Loan growth (YoY) | -15.4% | -2.6% | -12.8 pts |
| ROA | -1.00% | 0.65% | -1.6 pts |
| ROE | -2.9% | 4.4% | -7.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.4M | $7.5M | $5.2M | $3.9M | $-57K | -1.00% | 4.93% | 0.57% | 2,750 |
| Q1 2026 | $11.4M | $7.5M | $5.5M | $4.0M | $-24K | -0.85% | 4.84% | 0.03% | 2,750 |
| Q4 2025 | $11.2M | $7.2M | $5.8M | $4.0M | $-86K | -0.77% | 5.46% | 0.09% | 2,750 |
| Q3 2025 | $11.7M | $7.6M | $6.0M | $4.0M | $-50K | -0.57% | 5.27% | 0.06% | 2,750 |
| Q2 2025 | $11.8M | $7.8M | $6.2M | $4.1M | $-32K | -0.55% | 5.23% | 0.07% | 2,750 |
| Q1 2025 | $11.9M | $7.8M | $6.3M | $4.1M | $-5K | -0.18% | 5.18% | 0.21% | 2,750 |
| Q4 2024 | $11.5M | $7.4M | $6.8M | $4.1M | $87K | 0.76% | 5.54% | 0.77% | 2,750 |
| Q3 2024 | $11.6M | $7.6M | $6.8M | $4.1M | $75K | 0.86% | 5.44% | 0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.00% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -2.9% | 4.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,750 |
| Q2 2024 | $12.4M | $8.3M | $6.9M | $4.0M | $46K | 0.74% | 5.07% | 0.10% | 2,750 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.5% | 80.6% | 95th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Terry, TX, ranked 3rd with 3.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Terry, TX | 2 | $7.5M* | 3.48% | 3rd |
Texas: 824th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2