| Metric | Doches Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -0.8% | +0.9% | -1.7 pts |
| Loan growth (YoY) | +8.4% | -2.6% | +11.0 pts |
| ROA | 0.59% | 0.65% | -0.1 pts |
| ROE | 4.3% | 4.4% | -0.0 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.5M | $56.4M | $49.9M | $8.7M | $189K | 0.59% | 4.59% | 0.62% | 13,093 |
| Q1 2026 | $64.3M | $55.9M | $44.9M | $8.8M | $209K | 1.30% | 4.50% | 0.61% | 11,737 |
| Q4 2025 | $63.1M | $55.4M | $45.0M | $8.5M | $289K | 0.46% | 4.57% | 0.58% | 11,606 |
| Q3 2025 | $64.3M | $56.2M | $44.9M | $8.4M | $181K | 0.37% | 4.47% | 0.23% | 11,563 |
| Q2 2025 | $64.8M | $56.8M | $46.0M | $8.3M | $47K | 0.14% | 4.37% | 0.44% | 11,511 |
| Q1 2025 | $66.0M | $58.0M | $46.3M | $8.3M | $67K | 0.41% | 4.23% | 0.49% | 11,937 |
| Q4 2024 | $64.2M | $56.3M | $46.3M | $8.3M | $57K | 0.09% | 4.21% | 0.47% | 11,827 |
| Q3 2024 | $65.5M | $57.6M | $46.1M | $8.2M | $-44K | -0.09% | 4.08% | 0.88% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Doches Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 11,763 |
| Q2 2024 | $66.5M | $58.2M | $46.0M | $8.2M | $20K | 0.06% | 3.93% | 1.01% | 11,604 |
Loan mix (Q2 2026): real estate $4.3M · commercial $0 · consumer $40.1M · securities $11.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 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 | Doches Credit Union | 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 | Doches Credit Union | 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 | Doches Credit Union | 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 | Doches Credit Union | 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 | Doches Credit Union | 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.
5 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Nacogdoches, TX, ranked 10th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nacogdoches, TX | 3 | $33.8M* | 1.86% | 10th |
| Sabine, TX | 1 | $11.3M* | 5.01% | 5th |
| Shelby, TX | 1 | $11.3M* | 1.70% | 8th |
Texas: 603rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 5 · 2024 5 · 2025 5 · 2026 5