| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +1.3% | +0.9% | +0.3 pts |
| Loan growth (YoY) | -10.9% | -2.6% | -8.3 pts |
| ROA | 2.14% | 0.65% | +1.5 pts |
| ROE | 5.1% | 4.4% | +0.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.5M | $29.6M | $14.6M | $21.5M | $551K | 2.14% | 4.00% | 1.77% | 4,179 |
| Q1 2026 | $51.6M | $30.0M | $14.7M | $21.2M | $307K | 2.38% | 3.96% | 1.81% | 4,287 |
| Q4 2025 | $51.3M | $30.0M | $15.4M | $20.9M | $1.1M | 2.08% | 4.10% | 1.82% | 4,298 |
| Q3 2025 | $50.8M | $29.7M | $16.1M | $20.8M | $814K | 2.14% | 4.13% | 1.97% | 4,311 |
| Q2 2025 | $50.0M | $29.2M | $16.4M | $20.5M | $514K | 2.06% | 4.12% | 1.80% | 4,428 |
| Q1 2025 | $49.7M | $29.1M | $16.6M | $20.2M | $227K | 1.83% | 4.01% | 2.12% | 4,474 |
| Q4 2024 | $49.6M | $29.4M | $16.7M | $19.9M | $957K | 1.93% | 4.16% | 2.26% | 4,496 |
| Q3 2024 | $49.5M | $29.5M | $16.9M | $19.7M | $682K | 1.84% | 4.13% | 1.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,510 |
| Q2 2024 | $49.2M | $29.5M | $17.0M | $19.4M | $387K | 1.57% | 4.04% | 2.65% | 4,527 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $13.8M · securities $20.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 80.6% | 5th |
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: Lubbock, TX, ranked 33rd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lubbock, TX | 1 | $29.6M* | 0.21% | 33rd |
Texas: 686th with 0.00% · Lubbock metro: 37th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1