| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.1% | +0.5 pts |
| Share growth (YoY) | +3.7% | +3.5% | +0.2 pts |
| Loan growth (YoY) | +1.4% | +2.9% | -1.4 pts |
| ROA | 1.64% | 0.74% | +0.9 pts |
| ROE | 7.0% | 6.5% | +0.5 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.3M | $96.0M | $71.4M | $29.5M | $1.0M | 1.64% | 5.12% | 0.57% | 13,594 |
| Q1 2026 | $124.6M | $94.8M | $72.6M | $29.1M | $565K | 1.81% | 5.18% | 0.39% | 13,554 |
| Q4 2025 | $119.6M | $90.4M | $73.2M | $28.5M | $2.2M | 1.84% | 5.38% | 0.49% | 14,446 |
| Q3 2025 | $123.0M | $94.2M | $71.2M | $27.9M | $1.6M | 1.73% | 5.15% | 0.39% | 14,386 |
| Q2 2025 | $120.7M | $92.5M | $70.4M | $27.4M | $1.1M | 1.83% | 5.21% | 0.35% | 14,297 |
| Q1 2025 | $116.0M | $88.5M | $70.4M | $26.7M | $421K | 1.45% | 5.31% | 0.60% | 14,128 |
| Q4 2024 | $114.3M | $87.4M | $71.9M | $26.3M | $2.8M | 2.45% | 5.45% | 0.74% | 14,098 |
| Q3 2024 | $110.7M | $84.2M | $71.4M | $25.6M | $2.1M | 2.55% | 5.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.74% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 6.5% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 13,980 |
| Q2 2024 | $113.5M | $87.9M | $70.4M | $24.9M | $1.4M | 2.42% | 5.40% | 0.36% | 13,839 |
Loan mix (Q2 2026): real estate $21.7M · commercial $0 · consumer $42.6M · securities $19.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 77.5% | 47th |
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.
10 branches in 9 counties across 1 state (+0 vs 2025). Biggest market: Rapides, LA, ranked 21st with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rapides, LA | 2 | $19.2M* | 0.49% | 21st |
| Iberville, LA | 1 | $9.6M* | 1.13% | 10th |
| East Baton Rouge, LA | 1 | $9.6M* | 0.04% | 52nd |
| 6 more counties with Pro → | ||||
Louisiana: 134th with 0.06% · Baton Rouge metro: 50th, 0.12% · Alexandria metro: 22nd, 0.48% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 10 · 2026 10