| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.1% | +0.2 pts |
| Share growth (YoY) | +3.6% | +3.5% | +0.1 pts |
| Loan growth (YoY) | +1.4% | +2.9% | -1.5 pts |
| ROA | 0.80% | 0.74% | +0.1 pts |
| ROE | 6.6% | 6.5% | +0.1 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $184.0M | $159.9M | $102.5M | $22.3M | $738K | 0.80% | 2.98% | 0.75% | 9,416 |
| Q1 2026 | $183.6M | $160.6M | $107.7M | $21.9M | $370K | 0.81% | 3.07% | 0.85% | 9,394 |
| Q4 2025 | $182.9M | $159.4M | $106.2M | $21.5M | $1.4M | 0.79% | 2.85% | 1.10% | 9,369 |
| Q3 2025 | $175.2M | $152.7M | $103.6M | $21.3M | $1.0M | 0.77% | 2.91% | 1.20% | 9,348 |
| Q2 2025 | $176.4M | $154.3M | $101.1M | $20.8M | $592K | 0.67% | 2.80% | 0.68% | 9,366 |
| Q1 2025 | $173.3M | $151.5M | $98.2M | $20.5M | $245K | 0.57% | 2.75% | 0.85% | 9,352 |
| Q4 2024 | $163.6M | $141.7M | $98.2M | $20.2M | $1.4M | 0.83% | 2.86% | 0.92% | 9,383 |
| Q3 2024 | $159.9M | $138.5M | $98.4M | $20.1M | $1.0M | 0.86% | 2.88% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.74% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 6.5% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 9,402 |
| Q2 2024 | $155.5M | $134.2M | $98.1M | $19.7M | $630K | 0.81% | 2.89% | 1.07% | 9,412 |
Loan mix (Q2 2026): real estate $7.8M · commercial $0 · consumer $89.3M · securities $36.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 77.5% | 47th |
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.
5 branches in 4 counties across 1 state (-1 vs 2025). Biggest market: Nueces, TX, ranked 22nd with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nueces, TX | 2 | $63.9M* | 0.62% | 22nd |
| Kleberg, TX | 1 | $32.0M* | 2.43% | 9th |
| Jim Wells, TX | 1 | $32.0M* | 4.57% | 8th |
| 1 more county with Pro → | ||||
Texas: 445th with 0.01% · Corpus Christi metro: 22nd, 0.50% · Houston-Pasadena-The Woodlands metro: 154th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 5