| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +2.7% | +0.9% | +1.7 pts |
| Loan growth (YoY) | +16.9% | -2.6% | +19.5 pts |
| ROA | 0.79% | 0.65% | +0.1 pts |
| ROE | 6.9% | 4.4% | +2.5 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.7M | $22.6M | $13.5M | $2.9M | $101K | 0.79% | 3.24% | 0.14% | 1,430 |
| Q1 2026 | $25.6M | $22.5M | $12.3M | $2.9M | $49K | 0.76% | 3.17% | 0.16% | 1,425 |
| Q4 2025 | $25.0M | $22.0M | $12.3M | $2.8M | $228K | 0.91% | 3.31% | 0.10% | 1,414 |
| Q3 2025 | $25.1M | $22.2M | $12.0M | $2.8M | $167K | 0.89% | 3.27% | 0.15% | 1,411 |
| Q2 2025 | $24.9M | $22.1M | $11.5M | $2.7M | $104K | 0.83% | 3.22% | 0.00% | 1,410 |
| Q1 2025 | $23.7M | $20.8M | $11.5M | $2.7M | $42K | 0.71% | 3.20% | 0.10% | 1,409 |
| Q4 2024 | $23.3M | $20.5M | $11.2M | $2.6M | $159K | 0.68% | 3.05% | 0.02% | 1,410 |
| Q3 2024 | $23.7M | $20.9M | $10.6M | $2.6M | $101K | 0.57% | 2.94% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.65% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,403 |
| Q2 2024 | $23.2M | $20.6M | $10.6M | $2.6M | $61K | 0.53% | 2.95% | 0.11% | 1,402 |
Loan mix (Q2 2026): real estate $7.4M · commercial $0 · consumer $5.4M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 80.6% | 44th |
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: Tom Green, TX, ranked 19th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tom Green, TX | 1 | $22.6M* | 0.60% | 19th |
Texas: 712th with 0.00% · San Angelo metro: 19th, 0.57% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1