| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +10.0% | +0.9% | +9.1 pts |
| Loan growth (YoY) | +5.7% | -2.6% | +8.3 pts |
| ROA | 0.59% | 0.65% | -0.1 pts |
| ROE | 4.3% | 4.4% | -0.1 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.0M | $4.3M | $4.0M | $692K | $15K | 0.59% | 5.13% | 4.13% | 630 |
| Q1 2026 | $5.0M | $4.3M | $4.1M | $683K | $6K | 0.47% | 5.27% | 6.57% | 637 |
| Q4 2025 | $4.9M | $4.2M | $4.1M | $677K | $4K | 0.07% | 5.33% | 1.99% | 630 |
| Q3 2025 | $4.9M | $4.2M | $4.0M | $671K | $-3K | -0.07% | 5.35% | 0.89% | 620 |
| Q2 2025 | $4.9M | $3.9M | $3.7M | $663K | $-11K | -0.44% | 4.98% | 3.13% | 618 |
| Q1 2025 | $4.9M | $4.1M | $3.6M | $667K | $-7K | -0.57% | 4.62% | 1.49% | 631 |
| Q4 2024 | $4.9M | $4.2M | $3.7M | $674K | $15K | 0.30% | 5.68% | 2.11% | 625 |
| Q3 2024 | $4.9M | $4.2M | $3.6M | $655K | $-4K | -0.10% | 5.76% | 0.14% | 616 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.1M | $4.3M | $3.6M | $651K | $-8K | -0.30% | 5.76% | 2.51% | 604 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $263K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 80.6% | 69th |
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 2 counties across 1 state (+1 vs 2025). Biggest market: Nueces, TX, ranked 30th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nueces, TX | 1 | $2.1M* | 0.02% | 30th |
| Harris, TX | 1 | $2.1M* | 0.00% | 164th |
Texas: 857th with 0.00% · Houston-Pasadena-The Woodlands metro: 198th, 0.00% · Corpus Christi metro: 32nd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2