| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -1.0% | +0.9% | -1.9 pts |
| Loan growth (YoY) | +6.0% | -2.6% | +8.7 pts |
| ROA | 1.05% | 0.65% | +0.4 pts |
| ROE | 2.6% | 4.4% | -1.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.2M | $5.5M | $2.8M | $3.7M | $48K | 1.05% | 3.23% | 1.72% | 471 |
| Q1 2026 | $9.3M | $5.6M | $2.9M | $3.6M | $24K | 1.04% | 3.16% | 1.90% | 470 |
| Q4 2025 | $9.2M | $5.5M | $2.8M | $3.6M | $109K | 1.19% | 3.43% | 1.67% | 464 |
| Q3 2025 | $9.1M | $5.4M | $2.9M | $3.6M | $85K | 1.24% | 3.50% | 1.90% | 495 |
| Q2 2025 | $9.2M | $5.6M | $2.7M | $3.6M | $59K | 1.28% | 3.48% | 1.34% | 465 |
| Q1 2025 | $9.2M | $5.6M | $2.6M | $3.5M | $32K | 1.39% | 3.58% | 1.07% | 497 |
| Q4 2024 | $9.2M | $5.6M | $2.7M | $3.5M | $115K | 1.26% | 3.45% | 0.66% | 504 |
| Q3 2024 | $9.1M | $5.6M | $2.7M | $3.5M | $85K | 1.25% | 3.43% | 0.29% | 512 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.65% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.3M | $5.8M | $2.8M | $3.5M | $56K | 1.21% | 3.28% | 0.53% | 515 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 80.6% | 9th |
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: Taylor, TX, ranked 23rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Taylor, TX | 1 | $5.5M* | 0.09% | 23rd |
Texas: 841st with 0.00% · Abilene metro: 26th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1