| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.2% | +0.7% | +0.5 pts |
| Loan growth (YoY) | +1.9% | -2.4% | +4.2 pts |
| ROA | 2.24% | 0.60% | +1.6 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.9M | $20.3M | $17.4M | $6.5M | $151K | 2.24% | 3.88% | 0.85% | 1,447 |
| Q4 2025 | $26.7M | $20.3M | $17.9M | $6.4M | $383K | 1.44% | 4.05% | 0.73% | 1,448 |
| Q3 2025 | $27.1M | $20.8M | $17.4M | $6.3M | $300K | 1.48% | 3.94% | 1.15% | 1,410 |
| Q2 2025 | $26.5M | $20.3M | $17.2M | $6.2M | $187K | 1.41% | 3.97% | 0.32% | 1,445 |
| Q1 2025 | $26.2M | $20.1M | $17.1M | $6.1M | $68K | 1.03% | 3.96% | 0.52% | 1,440 |
| Q4 2024 | $25.9M | $19.8M | $17.1M | $6.0M | $304K | 1.17% | 3.79% | 0.42% | 1,379 |
| Q3 2024 | $25.2M | $19.2M | $17.1M | $5.9M | $259K | 1.37% | 3.84% | 0.83% | 1,399 |
| Q2 2024 | $25.0M | $19.1M | $17.1M | $5.8M | $145K | 1.16% | 3.73% | 0.41% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.24% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,409 |
Loan mix (Q1 2026): real estate $0 · commercial $272K · consumer $16.5M · securities $754K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 81.5% | 19th |
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 2024). Biggest market: Dallas, TX, ranked 130th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 1 | $20.3M* | 0.01% | 130th |
Texas: 712th with 0.00% · Dallas-Fort Worth-Arlington metro: 218th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1