| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -0.9 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.5 pts |
| Loan growth (YoY) | +3.5% | -2.6% | +6.1 pts |
| ROA | -0.50% | 0.65% | -1.2 pts |
| ROE | -3.2% | 4.4% | -7.6 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.7M | $11.5M | $9.5M | $2.2M | $-35K | -0.50% | 3.31% | 0.00% | 1,486 |
| Q1 2026 | $13.7M | $11.5M | $9.2M | $2.2M | $-7K | -0.19% | 3.04% | 0.00% | 1,533 |
| Q4 2025 | $14.1M | $11.8M | $9.1M | $2.2M | $71K | 0.50% | 3.70% | 0.00% | 1,519 |
| Q3 2025 | $14.0M | $11.7M | $9.3M | $2.2M | $43K | 0.41% | 3.72% | 0.00% | 1,519 |
| Q2 2025 | $13.7M | $11.5M | $9.2M | $2.2M | $33K | 0.48% | 3.74% | 0.00% | 1,512 |
| Q1 2025 | $13.9M | $11.7M | $9.4M | $2.2M | $13K | 0.38% | 3.45% | 0.00% | 1,552 |
| Q4 2024 | $14.1M | $11.9M | $9.3M | $2.2M | $133K | 0.95% | 3.83% | 0.00% | 1,547 |
| Q3 2024 | $14.2M | $12.1M | $9.8M | $2.1M | $92K | 0.87% | 3.72% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.50% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -3.2% | 4.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,551 |
| Q2 2024 | $14.5M | $12.4M | $9.9M | $2.1M | $50K | 0.69% | 3.45% | 0.00% | 1,550 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8.4M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.1% | 80.6% | 88th |
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: Navarro, TX, ranked 11th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Navarro, TX | 1 | $11.5M* | 1.00% | 11th |
Texas: 784th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1