| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -0.6% | +0.9% | -1.6 pts |
| Loan growth (YoY) | -5.9% | -2.6% | -3.3 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 3.7% | 4.4% | -0.7 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.0M | $12.9M | $6.6M | $4.0M | $74K | 0.87% | 4.15% | 1.27% | 3,352 |
| Q1 2026 | $17.1M | $13.0M | $6.5M | $4.0M | $41K | 0.95% | 4.01% | 0.84% | 3,434 |
| Q4 2025 | $17.2M | $13.1M | $6.6M | $3.9M | $164K | 0.95% | 4.24% | 0.64% | 3,423 |
| Q3 2025 | $17.4M | $13.4M | $7.0M | $3.9M | $138K | 1.06% | 4.16% | 0.51% | 3,420 |
| Q2 2025 | $17.1M | $13.0M | $7.0M | $3.8M | $85K | 0.99% | 4.22% | 0.31% | 3,387 |
| Q1 2025 | $17.1M | $13.1M | $7.2M | $3.8M | $45K | 1.05% | 4.13% | 1.61% | 3,366 |
| Q4 2024 | $16.6M | $12.8M | $7.4M | $3.7M | $251K | 1.51% | 4.45% | 1.40% | 3,349 |
| Q3 2024 | $17.0M | $13.1M | $7.6M | $3.7M | $213K | 1.67% | 4.34% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,335 |
| Q2 2024 | $17.5M | $13.6M | $7.5M | $3.6M | $149K | 1.70% | 4.25% | 0.59% | 3,315 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.1M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 80.6% | 59th |
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: Caddo, LA, ranked 31st with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, LA | 1 | $12.9M* | 0.18% | 31st |
Louisiana: 202nd with 0.01% · Shreveport-Bossier City metro: 33rd, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1