| Metric | Cogic Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -21.2% | +1.3% | -22.5 pts |
| Share growth (YoY) | -19.7% | +0.9% | -20.7 pts |
| Loan growth (YoY) | -14.6% | -2.6% | -11.9 pts |
| ROA | -5.69% | 0.65% | -6.3 pts |
| ROE | -129.9% | 4.4% | -134.3 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $341K | $326K | $204K | $15K | $-10K | -5.69% | 4.73% | 1.79% | 187 |
| Q1 2026 | $369K | $354K | $225K | $16K | $-9K | -9.43% | 4.64% | 2.03% | 247 |
| Q4 2025 | $370K | $345K | $248K | $25K | $-9K | -2.35% | 5.36% | 1.95% | 246 |
| Q3 2025 | $392K | $366K | $264K | $26K | $1K | 0.37% | 4.84% | 6.79% | 253 |
| Q2 2025 | $432K | $406K | $238K | $27K | $2K | 0.74% | 4.48% | 7.79% | 253 |
| Q1 2025 | $442K | $407K | $258K | $35K | $6K | 5.29% | 8.93% | 8.30% | 274 |
| Q4 2024 | $452K | $419K | $290K | $33K | $4K | 0.81% | 4.52% | 3.47% | 271 |
| Q3 2024 | $452K | $421K | $303K | $31K | $-512 | -0.15% | 3.76% | 3.32% | 269 |
| Ratio | Cogic Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.69% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -129.9% | 4.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $481K |
| $448K |
| $250K |
| $33K |
| $2K |
| 0.73% |
| 3.89% |
| 4.03% |
| 268 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $138K · securities $78K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 129.7% | 80.6% | 97th |
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 | Cogic Credit Union | 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 | Cogic Credit Union | 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 | Cogic Credit Union | 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 | Cogic Credit Union | 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 | Cogic Credit Union | 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Lafayette, LA, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lafayette, LA | 2 | $326K* | 0.00% | 47th |
Louisiana: 260th with 0.00% · Lafayette metro: 59th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2