| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.0% | +0.9% | -1.9 pts |
| Loan growth (YoY) | -14.7% | -2.6% | -12.1 pts |
| ROA | -0.02% | 0.65% | -0.7 pts |
| ROE | -0.2% | 4.4% | -4.6 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.6M | $27.4M | $20.7M | $3.0M | $-3K | -0.02% | 3.31% | 1.02% | 2,520 |
| Q1 2026 | $30.5M | $27.4M | $21.6M | $3.0M | $16K | 0.21% | 3.37% | 0.94% | 2,551 |
| Q4 2025 | $30.7M | $27.6M | $22.4M | $3.0M | $-67K | -0.22% | 3.22% | 1.34% | 2,600 |
| Q3 2025 | $30.7M | $27.6M | $23.2M | $3.1M | $-22K | -0.10% | 3.23% | 0.56% | 2,615 |
| Q2 2025 | $30.7M | $27.7M | $24.3M | $3.1M | $-23K | -0.15% | 3.21% | 0.49% | 2,607 |
| Q1 2025 | $32.3M | $29.3M | $24.5M | $3.1M | $-18K | -0.22% | 3.03% | 0.44% | 2,602 |
| Q4 2024 | $31.1M | $28.0M | $25.1M | $3.1M | $-309K | -0.99% | 2.88% | 1.42% | 3,004 |
| Q3 2024 | $31.8M | $28.7M | $25.8M | $3.2M | $-263K | -1.10% | 2.87% | 1.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,928 |
| Q2 2024 | $33.3M | $30.2M | $26.5M | $3.2M | $-238K | -1.43% | 2.66% | 2.16% | 3,038 |
Loan mix (Q2 2026): real estate $8.9M · commercial $0 · consumer $11.3M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 80.6% | 65th |
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: Lafayette, LA, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lafayette, LA | 1 | $13.7M* | 0.14% | 40th |
| St. Tammany, LA | 1 | $13.7M* | 0.15% | 33rd |
Louisiana: 183rd with 0.02% · Slidell-Mandeville-Covington metro: 33rd, 0.15% · Lafayette metro: 51st, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2