| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.1% | -0.8 pts |
| Share growth (YoY) | +4.4% | +3.5% | +0.9 pts |
| Loan growth (YoY) | +9.6% | +2.9% | +6.7 pts |
| ROA | 0.44% | 0.74% | -0.3 pts |
| ROE | 4.7% | 6.5% | -1.8 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $163.8M | $146.5M | $124.4M | $15.5M | $363K | 0.44% | 4.55% | 0.82% | 11,228 |
| Q1 2026 | $162.9M | $145.4M | $125.1M | $15.1M | $22K | 0.05% | 4.54% | 0.43% | 11,379 |
| Q4 2025 | $164.7M | $147.0M | $124.7M | $15.1M | $882K | 0.54% | 4.16% | 0.77% | 11,282 |
| Q3 2025 | $161.5M | $143.3M | $118.7M | $15.0M | $798K | 0.66% | 4.14% | 0.93% | 11,227 |
| Q2 2025 | $158.6M | $140.3M | $113.6M | $14.8M | $544K | 0.69% | 4.15% | 1.03% | 11,293 |
| Q1 2025 | $155.9M | $139.4M | $109.8M | $14.3M | $41K | 0.11% | 4.09% | 0.55% | 11,214 |
| Q4 2024 | $151.7M | $134.9M | $106.9M | $14.2M | $590K | 0.39% | 4.06% | 0.76% | 11,094 |
| Q3 2024 | $157.2M | $131.0M | $104.9M | $14.0M | $398K | 0.34% | 3.86% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.74% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 6.5% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 11,026 |
| Q2 2024 | $154.8M | $126.4M | $105.4M | $13.9M | $281K | 0.36% | 3.84% | 0.55% | 10,969 |
Loan mix (Q2 2026): real estate $13.2M · commercial $2.6M · consumer $92.5M · securities $19.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 77.5% | 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Walker, TX, ranked 5th with 11.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Walker, TX | 2 | $146.5M* | 11.20% | 5th |
Texas: 463rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2