| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +9.3% | +0.9% | +8.3 pts |
| Loan growth (YoY) | +7.6% | -2.6% | +10.2 pts |
| ROA | 0.20% | 0.65% | -0.5 pts |
| ROE | 1.2% | 4.4% | -3.2 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.6M | $15.5M | $11.2M | $3.1M | $18K | 0.20% | 4.60% | 1.51% | 2,004 |
| Q1 2026 | $18.5M | $15.5M | $10.9M | $3.0M | $-59K | -1.28% | 4.59% | 2.29% | 2,031 |
| Q4 2025 | $19.1M | $16.1M | $10.6M | $3.0M | $166K | 0.87% | 4.55% | 1.90% | 2,040 |
| Q3 2025 | $19.2M | $16.1M | $10.5M | $3.0M | $-56K | -0.39% | 4.60% | 1.39% | 2,094 |
| Q2 2025 | $17.1M | $14.2M | $10.4M | $2.9M | $80K | 0.93% | 5.28% | 2.37% | 2,146 |
| Q1 2025 | $17.1M | $14.1M | $10.4M | $2.9M | $70K | 1.64% | 5.31% | 2.02% | 2,125 |
| Q4 2024 | $15.9M | $13.0M | $10.7M | $2.9M | $205K | 1.29% | 5.25% | 2.21% | 2,116 |
| Q3 2024 | $15.9M | $12.9M | $11.2M | $2.8M | $157K | 1.32% | 5.19% | 1.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,166 |
| Q2 2024 | $16.0M | $13.2M | $11.2M | $2.8M | $117K | 1.46% | 5.06% | 1.34% | 2,164 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $10.0M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 80.6% | 52nd |
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: Calcasieu, LA, ranked 24th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calcasieu, LA | 1 | $15.5M* | 0.26% | 24th |
Louisiana: 198th with 0.01% · Lake Charles metro: 26th, 0.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1