| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -4.9% | +0.9% | -5.8 pts |
| Loan growth (YoY) | -9.7% | -2.6% | -7.0 pts |
| ROA | 0.71% | 0.65% | +0.1 pts |
| ROE | 5.2% | 4.4% | +0.8 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.0M | $7.8M | $5.6M | $1.2M | $32K | 0.71% | 5.55% | 1.73% | 1,469 |
| Q1 2026 | $8.9M | $7.7M | $5.5M | $1.2M | $22K | 0.98% | 5.58% | 1.93% | 1,423 |
| Q4 2025 | $8.9M | $7.7M | $5.8M | $1.2M | $68K | 0.76% | 5.60% | 1.41% | 1,508 |
| Q3 2025 | $8.7M | $7.5M | $6.0M | $1.2M | $46K | 0.70% | 5.65% | 1.69% | 1,511 |
| Q2 2025 | $9.3M | $8.1M | $6.2M | $1.1M | $2K | 0.04% | 5.02% | 0.87% | 1,662 |
| Q1 2025 | $10.3M | $9.1M | $6.2M | $1.2M | $11K | 0.44% | 3.98% | 0.70% | 1,703 |
| Q4 2024 | $10.3M | $9.2M | $6.6M | $1.1M | $62K | 0.60% | 4.39% | 1.04% | 1,708 |
| Q3 2024 | $10.1M | $9.0M | $6.8M | $1.2M | $67K | 0.88% | 4.78% | 0.28% | 1,711 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.65% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.4M | $9.2M | $6.8M | $1.1M | $25K | 0.48% | 4.29% | 0.84% | 1,703 |
Loan mix (Q2 2026): real estate $1.3M · commercial $0 · consumer $3.1M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 80.6% | 70th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Rapides, LA, ranked 24th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rapides, LA | 2 | $7.8M* | 0.20% | 24th |
Louisiana: 212th with 0.00% · Alexandria metro: 24th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2