| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -1.6% | +0.9% | -2.6 pts |
| Loan growth (YoY) | -14.9% | -2.6% | -12.2 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 5.4% | 4.4% | +1.0 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.2M | $2.9M | $1.7M | $345K | $9K | 0.58% | 5.01% | 5.93% | 1,367 |
| Q1 2026 | $3.2M | $2.9M | $1.8M | $342K | $5K | 0.68% | 4.82% | 6.14% | 1,369 |
| Q4 2025 | $3.1M | $2.8M | $2.0M | $336K | $7K | 0.24% | 6.10% | 1.94% | 1,369 |
| Q3 2025 | $3.1M | $2.8M | $2.1M | $349K | $15K | 0.66% | 6.18% | 2.25% | 1,369 |
| Q2 2025 | $3.3M | $2.9M | $2.0M | $334K | $384 | 0.02% | 5.93% | 2.08% | 1,370 |
| Q1 2025 | $3.2M | $2.8M | $2.0M | $337K | $4K | 0.48% | 6.60% | 2.51% | 1,363 |
| Q4 2024 | $3.2M | $2.8M | $2.1M | $333K | $7K | 0.22% | 6.18% | 8.92% | 1,369 |
| Q3 2024 | $3.2M | $2.9M | $2.1M | $367K | $41K | 1.67% | 6.33% | 6.95% | 1,363 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.3M | $3.0M | $2.0M | $348K | $22K | 1.31% | 5.65% | 7.22% | 1,350 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $505K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 80.6% | 73rd |
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: Concordia, LA, ranked 5th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Concordia, LA | 1 | $2.9M* | 0.43% | 5th |
Louisiana: 238th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1