| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.0% | +0.9% | +2.1 pts |
| Loan growth (YoY) | +11.1% | -2.6% | +13.8 pts |
| ROA | 1.95% | 0.65% | +1.3 pts |
| ROE | 11.1% | 4.4% | +6.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.6M | $71.0M | $38.3M | $15.2M | $846K | 1.95% | 3.97% | 0.35% | 5,248 |
| Q1 2026 | $85.6M | $70.5M | $36.2M | $14.8M | $435K | 2.03% | 3.94% | 0.06% | 5,189 |
| Q4 2025 | $82.8M | $68.1M | $36.3M | $14.3M | $1.1M | 1.38% | 4.17% | 0.16% | 5,231 |
| Q3 2025 | $82.3M | $67.8M | $34.5M | $14.1M | $864K | 1.40% | 4.09% | 0.21% | 5,230 |
| Q2 2025 | $82.9M | $68.9M | $34.5M | $13.7M | $467K | 1.13% | 3.84% | 0.45% | 5,236 |
| Q1 2025 | $83.1M | $69.4M | $35.3M | $13.4M | $160K | 0.77% | 3.68% | 0.19% | 5,230 |
| Q4 2024 | $82.3M | $68.9M | $36.0M | $13.2M | $412K | 0.50% | 3.75% | 0.58% | 5,225 |
| Q3 2024 | $83.0M | $68.9M | $36.1M | $13.6M | $805K | 1.29% | 3.89% | 0.40% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,230 |
| Q2 2024 | $84.3M | $70.2M | $36.2M | $13.3M | $490K | 1.16% | 3.73% | 0.26% | 5,283 |
Loan mix (Q2 2026): real estate $10.2M · commercial $0 · consumer $22.5M · securities $38.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 80.6% | 18th |
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.
4 branches in 3 counties across 2 states (+0 vs 2025). Biggest market: Cass, TX, ranked 9th with 5.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cass, TX | 2 | $35.5M* | 5.88% | 9th |
| Miller, AR | 1 | $17.8M* | 1.67% | 11th |
| Bowie, TX | 1 | $17.8M* | 0.62% | 17th |
Texas: 612th with 0.00% · Arkansas: 140th with 0.02% · Texarkana metro: 18th, 0.86% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4