| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +3.8% | +0.9% | +2.9 pts |
| Loan growth (YoY) | -1.1% | -2.6% | +1.5 pts |
| ROA | -1.72% | 0.65% | -2.4 pts |
| ROE | -8.6% | 4.4% | -13.0 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.9M | $11.2M | $10.0M | $2.8M | $-120K | -1.72% | 3.73% | 2.13% | 1,721 |
| Q1 2026 | $13.7M | $10.9M | $9.6M | $2.8M | $28K | 0.80% | 3.77% | 1.58% | 1,746 |
| Q4 2025 | $13.6M | $10.8M | $10.0M | $2.8M | $60K | 0.44% | 3.95% | 1.93% | 1,776 |
| Q3 2025 | $13.7M | $10.9M | $10.3M | $2.8M | $43K | 0.42% | 3.89% | 2.69% | 1,767 |
| Q2 2025 | $13.5M | $10.8M | $10.1M | $2.8M | $34K | 0.50% | 3.87% | 1.97% | 1,754 |
| Q1 2025 | $14.5M | $11.8M | $10.3M | $2.8M | $14K | 0.38% | 3.57% | 1.73% | 1,773 |
| Q4 2024 | $14.5M | $11.8M | $10.8M | $2.8M | $57K | 0.39% | 3.17% | 1.59% | 1,810 |
| Q3 2024 | $14.8M | $12.1M | $10.6M | $2.8M | $60K | 0.54% | 3.14% | 0.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.72% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -8.6% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,831 |
| Q2 2024 | $14.6M | $11.9M | $10.4M | $2.8M | $45K | 0.61% | 3.21% | 0.53% | 1,813 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $9.0M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 80.6% | 61st |
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: Cherokee, TX, ranked 9th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cherokee, TX | 1 | $11.2M* | 0.97% | 9th |
Texas: 788th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1