| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -14.7% | -2.6% | -12.0 pts |
| ROA | -1.01% | 0.65% | -1.7 pts |
| ROE | -10.1% | 4.4% | -14.5 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.3M | $83.5M | $46.3M | $9.3M | $-470K | -1.01% | 3.77% | 2.79% | 10,930 |
| Q1 2026 | $96.0M | $85.8M | $48.0M | $9.6M | $-170K | -0.71% | 3.72% | 1.84% | 11,008 |
| Q4 2025 | $97.6M | $87.0M | $51.0M | $9.8M | $267K | 0.27% | 4.23% | 1.70% | 11,064 |
| Q3 2025 | $97.1M | $86.3M | $52.2M | $9.9M | $201K | 0.28% | 4.30% | 2.28% | 11,138 |
| Q2 2025 | $97.3M | $86.2M | $54.3M | $10.0M | $329K | 0.68% | 4.33% | 1.28% | 11,315 |
| Q1 2025 | $97.0M | $86.3M | $54.9M | $9.8M | $120K | 0.50% | 4.30% | 0.89% | 11,478 |
| Q4 2024 | $94.2M | $83.2M | $56.4M | $9.7M | $1.2M | 1.31% | 4.66% | 0.53% | 11,701 |
| Q3 2024 | $93.3M | $82.8M | $54.8M | $9.4M | $809K | 1.16% | 4.68% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.01% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -10.1% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 12,308 |
| Q2 2024 | $96.5M | $85.8M | $55.0M | $9.2M | $605K | 1.25% | 4.44% | 1.05% | 15,861 |
Loan mix (Q2 2026): real estate $14.0M · commercial $0 · consumer $30.3M · securities $26.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.4% | 80.6% | 89th |
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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Galveston, TX, ranked 22nd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Galveston, TX | 3 | $62.7M* | 0.65% | 22nd |
| Harris, TX | 1 | $20.9M* | 0.01% | 140th |
Texas: 552nd with 0.00% · Houston-Pasadena-The Woodlands metro: 128th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 3 · 2025 4 · 2026 4