| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.1% | +2.9 pts |
| Share growth (YoY) | +7.0% | +3.5% | +3.4 pts |
| Loan growth (YoY) | -3.3% | +2.9% | -6.2 pts |
| ROA | 1.23% | 0.74% | +0.5 pts |
| ROE | 7.1% | 6.5% | +0.7 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.9M | $97.7M | $64.2M | $20.4M | $728K | 1.23% | 4.22% | 0.44% | 15,702 |
| Q1 2026 | $117.7M | $97.0M | $64.5M | $20.0M | $290K | 0.99% | 4.18% | 0.22% | 15,617 |
| Q4 2025 | $114.1M | $93.8M | $66.9M | $19.7M | $1.3M | 1.17% | 4.42% | 0.31% | 15,489 |
| Q3 2025 | $112.8M | $92.7M | $66.6M | $19.3M | $942K | 1.11% | 4.44% | 0.22% | 11,173 |
| Q2 2025 | $111.1M | $91.3M | $66.4M | $19.0M | $621K | 1.12% | 4.44% | 0.27% | 11,074 |
| Q1 2025 | $108.7M | $89.3M | $65.3M | $18.6M | $236K | 0.87% | 4.42% | 0.25% | 11,304 |
| Q4 2024 | $103.5M | $84.4M | $65.5M | $18.3M | $1.3M | 1.24% | 4.65% | 0.66% | 11,232 |
| Q3 2024 | $103.3M | $84.5M | $66.1M | $18.0M | $970K | 1.25% | 4.64% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.74% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 6.5% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 11,218 |
| Q2 2024 | $103.5M | $83.8M | $66.6M | $17.7M | $614K | 1.19% | 4.54% | 0.38% | 11,113 |
Loan mix (Q2 2026): real estate $13.2M · commercial $0 · consumer $45.2M · securities $15.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 77.5% | 51st |
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 3 counties across 1 state (+0 vs 2025). Biggest market: Ellis, TX, ranked 17th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ellis, TX | 1 | $32.6M* | 0.77% | 17th |
| Limestone, TX | 1 | $32.6M* | 7.18% | 5th |
| Navarro, TX | 1 | $32.6M* | 2.82% | 7th |
Texas: 525th with 0.01% · Dallas-Fort Worth-Arlington metro: 215th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3