| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +5.0% | +0.9% | +4.0 pts |
| Loan growth (YoY) | +1.9% | -2.6% | +4.5 pts |
| ROA | 1.59% | 0.65% | +0.9 pts |
| ROE | 12.8% | 4.4% | +8.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.2M | $3.6M | $2.7M | $519K | $33K | 1.59% | 4.24% | 1.69% | 1,183 |
| Q1 2026 | $3.7M | $3.2M | $2.4M | $501K | $15K | 1.68% | 4.62% | 0.33% | 1,203 |
| Q4 2025 | $3.7M | $3.2M | $2.5M | $486K | $71K | 1.94% | 4.67% | 0.08% | 1,202 |
| Q3 2025 | $3.6M | $3.1M | $2.5M | $465K | $50K | 1.83% | 4.64% | 1.56% | 1,189 |
| Q2 2025 | $4.0M | $3.5M | $2.6M | $446K | $31K | 1.55% | 4.12% | 1.47% | 1,194 |
| Q1 2025 | $3.8M | $3.3M | $2.5M | $429K | $14K | 1.45% | 4.33% | 1.32% | 1,221 |
| Q4 2024 | $3.8M | $3.4M | $2.4M | $415K | $62K | 1.61% | 4.24% | 1.55% | 1,239 |
| Q3 2024 | $3.8M | $3.3M | $2.6M | $399K | $46K | 1.60% | 4.26% | 2.31% | 1,246 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.7M | $3.3M | $2.6M | $382K | $29K | 1.58% | 4.29% | 2.58% | 1,251 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $106K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 80.6% | 17th |
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: Bell, TX, ranked 28th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bell, TX | 1 | $3.6M* | 0.04% | 28th |
Texas: 864th with 0.00% · Killeen-Temple metro: 33rd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1