| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.7 pts |
| Loan growth (YoY) | -27.1% | -2.6% | -24.5 pts |
| ROA | 0.98% | 0.65% | +0.3 pts |
| ROE | 3.6% | 4.4% | -0.7 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.3M | $910K | $426K | $337K | $6K | 0.98% | 3.02% | 0.00% | 129 |
| Q1 2026 | $1.2M | $884K | $399K | $334K | $2K | 0.77% | 2.97% | 0.00% | 129 |
| Q4 2025 | $1.3M | $893K | $452K | $330K | $-42K | -3.38% | 1.14% | 6.32% | 129 |
| Q3 2025 | $1.2M | $874K | $502K | $353K | $-20K | -2.18% | 3.29% | 5.70% | 129 |
| Q2 2025 | $1.3M | $908K | $585K | $351K | $-22K | -3.47% | 3.56% | 2.20% | 131 |
| Q1 2025 | $1.3M | $910K | $620K | $377K | $5K | 1.45% | 3.35% | 0.00% | 134 |
| Q4 2024 | $1.2M | $813K | $712K | $373K | $4K | 0.30% | 2.37% | 0.00% | 135 |
| Q3 2024 | $1.2M | $822K | $764K | $392K | $23K | 2.57% | 4.62% | 0.00% | 134 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.2M | $812K | $832K | $386K | $17K | 2.88% | 5.03% | 0.00% | 135 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $426K · securities $400K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 80.6% | 34th |
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: St. Mary, LA, ranked 9th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Mary, LA | 1 | $910K* | 0.06% | 9th |
Louisiana: 250th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1