| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -8.0% | +0.9% | -9.0 pts |
| Loan growth (YoY) | -20.9% | -2.6% | -18.3 pts |
| ROA | 0.32% | 0.65% | -0.3 pts |
| ROE | 1.0% | 4.4% | -3.4 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.9M | $4.6M | $2.1M | $2.2M | $11K | 0.32% | 4.54% | 0.40% | 1,406 |
| Q1 2026 | $6.8M | $4.5M | $2.4M | $2.2M | $5K | 0.27% | 4.60% | 0.77% | 1,420 |
| Q4 2025 | $6.6M | $4.3M | $2.5M | $2.2M | $74K | 1.12% | 5.31% | 0.44% | 1,414 |
| Q3 2025 | $7.0M | $4.7M | $2.6M | $2.2M | $56K | 1.07% | 5.06% | 0.85% | 1,388 |
| Q2 2025 | $7.2M | $5.0M | $2.7M | $2.1M | $42K | 1.16% | 4.94% | 1.84% | 1,371 |
| Q1 2025 | $7.2M | $5.0M | $2.8M | $2.1M | $34K | 1.91% | 5.45% | 0.89% | 1,388 |
| Q4 2024 | $6.9M | $4.7M | $2.9M | $2.1M | $139K | 2.02% | 5.45% | 0.61% | 1,359 |
| Q3 2024 | $7.1M | $4.9M | $3.0M | $2.1M | $103K | 1.95% | 5.30% | 0.23% | 1,340 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.0M | $4.9M | $3.1M | $2.0M | $73K | 2.11% | 5.27% | 0.07% | 1,327 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 80.6% | 57th |
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: Cameron, TX, ranked 27th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cameron, TX | 1 | $4.6M* | 0.06% | 27th |
Texas: 854th with 0.00% · Brownsville-Harlingen metro: 27th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1