| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.1% | -2.9 pts |
| Share growth (YoY) | +0.6% | +3.5% | -3.0 pts |
| Loan growth (YoY) | -2.8% | +2.9% | -5.7 pts |
| ROA | 0.91% | 0.74% | +0.2 pts |
| ROE | 7.3% | 6.5% | +0.8 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $225.8M | $198.4M | $118.0M | $28.2M | $1.0M | 0.91% | 2.80% | 0.09% | 15,883 |
| Q1 2026 | $224.9M | $198.1M | $116.6M | $27.7M | $524K | 0.93% | 2.82% | 0.08% | 15,929 |
| Q4 2025 | $225.3M | $198.9M | $119.1M | $27.1M | $2.4M | 1.07% | 2.85% | 0.28% | 16,062 |
| Q3 2025 | $224.3M | $197.7M | $122.0M | $26.8M | $2.0M | 1.16% | 2.83% | 0.18% | 16,139 |
| Q2 2025 | $223.0M | $197.3M | $121.4M | $26.2M | $1.4M | 1.22% | 2.80% | 0.29% | 16,154 |
| Q1 2025 | $219.6M | $194.6M | $118.8M | $25.5M | $646K | 1.18% | 2.80% | 0.30% | 16,172 |
| Q4 2024 | $212.2M | $187.8M | $116.2M | $24.9M | $2.7M | 1.25% | 2.82% | 0.39% | 16,093 |
| Q3 2024 | $204.0M | $180.6M | $116.9M | $24.4M | $2.1M | 1.34% | 2.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.74% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 6.5% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 16,136 |
| Q2 2024 | $196.9M | $174.5M | $118.0M | $23.7M | $1.3M | 1.37% | 2.95% | 0.31% | 16,152 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $115.2M · securities $83.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 77.5% | 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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Victoria, TX, ranked 5th with 4.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Victoria, TX | 2 | $132.3M* | 4.47% | 5th |
| Calhoun, TX | 1 | $66.1M* | 9.49% | 6th |
Texas: 405th with 0.01% · Victoria metro: 5th, 4.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3