| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.3 pts |
| Share growth (YoY) | +4.6% | +0.9% | +3.7 pts |
| Loan growth (YoY) | -4.9% | -2.6% | -2.3 pts |
| ROA | 0.33% | 0.65% | -0.3 pts |
| ROE | 2.2% | 4.4% | -2.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.2M | $8.7M | $4.0M | $1.5M | $17K | 0.33% | 4.19% | 0.77% | 900 |
| Q1 2026 | $9.3M | $7.8M | $3.8M | $1.4M | $-11K | -0.46% | 4.00% | 1.65% | 892 |
| Q4 2025 | $9.2M | $7.7M | $4.0M | $1.4M | $84K | 0.92% | 4.58% | 1.00% | 885 |
| Q3 2025 | $9.0M | $7.5M | $4.2M | $1.5M | $98K | 1.44% | 4.73% | 1.36% | 877 |
| Q2 2025 | $9.8M | $8.3M | $4.2M | $1.5M | $94K | 1.91% | 4.33% | 2.93% | 875 |
| Q1 2025 | $9.8M | $8.3M | $4.4M | $1.4M | $67K | 2.72% | 4.37% | 0.29% | 883 |
| Q4 2024 | $9.9M | $8.4M | $4.4M | $1.4M | $111K | 1.12% | 3.75% | 1.08% | 888 |
| Q3 2024 | $9.6M | $8.3M | $4.6M | $1.3M | $80K | 1.10% | 3.83% | 0.10% | 883 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.65% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.2M | $7.9M | $4.9M | $1.3M | $25K | 0.54% | 3.87% | 0.18% | 873 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 80.6% | 25th |
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: Cochran, TX, ranked 2nd with 12.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cochran, TX | 1 | $8.7M* | 12.16% | 2nd |
Texas: 812th with 0.00% · Lubbock metro: 42nd, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1