| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +5.7% | +0.9% | +4.8 pts |
| Loan growth (YoY) | -9.7% | -2.6% | -7.0 pts |
| ROA | 1.43% | 0.65% | +0.8 pts |
| ROE | 9.0% | 4.4% | +4.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.3M | $37.8M | $25.1M | $7.2M | $324K | 1.43% | 3.97% | 1.16% | 4,349 |
| Q1 2026 | $43.3M | $35.9M | $25.3M | $7.2M | $248K | 2.29% | 4.64% | 0.79% | 4,436 |
| Q4 2025 | $42.0M | $34.9M | $26.6M | $6.9M | $737K | 1.75% | 4.22% | 0.78% | 4,383 |
| Q3 2025 | $41.8M | $34.8M | $27.7M | $6.8M | $509K | 1.62% | 4.27% | 0.72% | 4,357 |
| Q2 2025 | $42.5M | $35.7M | $27.8M | $6.5M | $294K | 1.38% | 4.21% | 0.87% | 4,347 |
| Q1 2025 | $42.4M | $35.8M | $28.7M | $6.4M | $111K | 1.05% | 4.24% | 0.88% | 4,590 |
| Q4 2024 | $39.8M | $33.2M | $29.8M | $6.3M | $1.0M | 2.52% | 4.50% | 1.04% | 4,606 |
| Q3 2024 | $38.6M | $32.4M | $30.8M | $6.1M | $722K | 2.49% | 4.64% | 1.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,583 |
| Q2 2024 | $39.6M | $33.5M | $31.6M | $5.8M | $478K | 2.42% | 4.47% | 1.07% | 4,332 |
Loan mix (Q2 2026): real estate $5.0M · commercial $0 · consumer $18.5M · securities $9.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 80.6% | 20th |
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 (+0 vs 2025). Biggest market: Gray, TX, ranked 6th with 5.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gray, TX | 2 | $37.8M* | 5.71% | 6th |
Texas: 653rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2