| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +1.0% | +3.3% | -2.3 pts |
| Loan growth (YoY) | +10.5% | +2.9% | +7.6 pts |
| ROA | 0.21% | 0.69% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.1 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $100.9M | $91.3M | $59.4M | $11.5M | $53K | 0.21% | 3.16% | 0.73% | 6,702 |
| Q4 2025 | $99.8M | $89.9M | $59.2M | $11.5M | $263K | 0.26% | 2.98% | 0.88% | 6,716 |
| Q3 2025 | $97.0M | $87.4M | $56.1M | $11.4M | $193K | 0.27% | 3.02% | 0.35% | 6,677 |
| Q2 2025 | $97.4M | $88.1M | $54.0M | $11.4M | $163K | 0.33% | 2.98% | 0.42% | 6,674 |
| Q1 2025 | $99.3M | $90.4M | $53.8M | $11.3M | $87K | 0.35% | 2.87% | 0.36% | 6,681 |
| Q4 2024 | $99.0M | $90.0M | $53.3M | $11.2M | $409K | 0.41% | 2.90% | 0.48% | 6,672 |
| Q3 2024 | $99.0M | $90.5M | $52.8M | $11.0M | $247K | 0.33% | 2.88% | 0.24% | 6,696 |
| Q2 2024 | $100.0M | $91.9M | $54.8M | $10.9M | $153K | 0.31% | 2.83% | 0.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,686 |
Loan mix (Q1 2026): real estate $16.4M · commercial $0 · consumer $42.5M · securities $22.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 78.7% | 52nd |
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.
3 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Tom Green, TX, ranked 11th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tom Green, TX | 3 | $88.1M* | 2.35% | 11th |
Texas: 523rd with 0.01% · San Angelo metro: 11th, 2.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3