| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.1% | -7.6 pts |
| Share growth (YoY) | -5.7% | +3.5% | -9.3 pts |
| Loan growth (YoY) | +5.9% | +2.9% | +3.1 pts |
| ROA | 1.68% | 0.74% | +0.9 pts |
| ROE | 11.5% | 6.5% | +5.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.9M | $173.8M | $134.1M | $29.5M | $1.7M | 1.68% | 3.26% | 0.13% | 10,902 |
| Q1 2026 | $205.0M | $177.4M | $125.3M | $28.6M | $813K | 1.59% | 3.23% | 0.21% | 10,679 |
| Q4 2025 | $213.7M | $186.6M | $125.6M | $27.8M | $3.2M | 1.52% | 3.15% | 0.23% | 10,664 |
| Q3 2025 | $208.0M | $182.0M | $126.5M | $26.9M | $2.4M | 1.54% | 3.23% | 0.27% | 10,580 |
| Q2 2025 | $209.3M | $184.3M | $126.6M | $26.2M | $1.6M | 1.53% | 3.23% | 0.33% | 10,566 |
| Q1 2025 | $209.5M | $185.9M | $126.8M | $25.3M | $793K | 1.52% | 3.30% | 0.28% | 10,579 |
| Q4 2024 | $208.8M | $186.5M | $126.0M | $24.6M | $3.4M | 1.61% | 2.94% | 0.32% | 10,498 |
| Q3 2024 | $219.2M | $197.3M | $124.6M | $23.7M | $2.5M | 1.52% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 0.74% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 6.5% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 10,452 |
| Q2 2024 | $207.0M | $187.1M | $121.0M | $22.6M | $1.4M | 1.37% | 2.65% | 0.36% | 10,244 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $133.3M · securities $20.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 77.5% | 3rd |
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.
6 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Midland, TX, ranked 17th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Midland, TX | 3 | $86.9M* | 0.86% | 17th |
| Howard, TX | 1 | $29.0M* | 1.72% | 10th |
| Taylor, TX | 1 | $29.0M* | 0.49% | 17th |
| 1 more county with Pro → | ||||
Texas: 431st with 0.01% · Midland metro: 18th, 0.83% · Lubbock metro: 38th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 6 · 2025 6 · 2026 6