| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +5.8% | +0.9% | +4.8 pts |
| Loan growth (YoY) | +2.7% | -2.6% | +5.3 pts |
| ROA | 1.68% | 0.65% | +1.0 pts |
| ROE | 14.5% | 4.4% | +10.1 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.5M | $55.9M | $33.6M | $7.4M | $535K | 1.68% | 5.57% | 0.15% | 4,229 |
| Q1 2026 | $63.8M | $55.9M | $33.6M | $7.4M | $88K | 0.55% | 4.18% | 0.06% | 4,272 |
| Q4 2025 | $59.4M | $51.5M | $33.0M | $7.3M | $627K | 1.06% | 5.39% | 0.40% | 4,213 |
| Q3 2025 | $59.6M | $51.6M | $32.8M | $7.4M | $784K | 1.75% | 5.65% | 0.23% | 4,184 |
| Q2 2025 | $60.3M | $52.9M | $32.7M | $6.9M | $393K | 1.31% | 4.51% | 0.10% | 4,755 |
| Q1 2025 | $63.7M | $56.3M | $30.3M | $6.8M | $337K | 2.12% | 4.13% | 0.23% | 4,638 |
| Q4 2024 | $60.4M | $52.9M | $29.5M | $6.7M | $754K | 1.25% | 4.02% | 0.31% | 4,543 |
| Q3 2024 | $60.9M | $54.1M | $28.4M | $6.7M | $703K | 1.54% | 3.89% | 0.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 4.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,483 |
| Q2 2024 | $60.4M | $53.5M | $26.1M | $6.5M | $505K | 1.67% | 3.87% | 0.23% | 4,485 |
Loan mix (Q2 2026): real estate $1K · commercial $0 · consumer $28.4M · securities $24.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 80.6% | 39th |
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: Howard, TX, ranked 7th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Howard, TX | 1 | $55.9M* | 3.33% | 7th |
Texas: 605th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1