| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.4 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.6 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.5 pts |
| ROA | 0.65% | 0.65% | +0.0 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.6M | $5.6M | $3.5M | $1.0M | $22K | 0.65% | 2.81% | 0.00% | 799 |
| Q1 2026 | $6.6M | $5.6M | $3.3M | $1.0M | $7K | 0.44% | 2.63% | 0.00% | 803 |
| Q4 2025 | $6.6M | $5.6M | $3.7M | $1.0M | $21K | 0.31% | 2.86% | 0.00% | 805 |
| Q3 2025 | $6.6M | $5.6M | $4.0M | $999K | $18K | 0.38% | 2.91% | 0.00% | 788 |
| Q2 2025 | $6.5M | $5.5M | $3.5M | $995K | $11K | 0.35% | 2.97% | 0.00% | 790 |
| Q1 2025 | $6.5M | $5.5M | $3.7M | $990K | $7K | 0.41% | 2.77% | 0.39% | 791 |
| Q4 2024 | $6.4M | $5.4M | $3.5M | $984K | $19K | 0.30% | 2.68% | 0.00% | 790 |
| Q3 2024 | $6.3M | $5.3M | $3.6M | $980K | $16K | 0.34% | 2.66% | 0.00% | 794 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $6.3M |
| $5.3M |
| $3.5M |
| $978K |
| $14K |
| 0.43% |
| 2.61% |
| 0.00% |
| 787 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 80.6% | 60th |
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: Tangipahoa, LA, ranked 19th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tangipahoa, LA | 1 | $5.6M* | 0.13% | 19th |
Louisiana: 216th with 0.00% · Hammond metro: 19th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1