| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.1% | -2.9 pts |
| Share growth (YoY) | +1.3% | +3.5% | -2.3 pts |
| Loan growth (YoY) | -0.8% | +2.9% | -3.7 pts |
| ROA | 0.86% | 0.74% | +0.1 pts |
| ROE | 7.2% | 6.5% | +0.7 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.4M | $114.0M | $95.7M | $15.1M | $541K | 0.86% | 4.86% | 0.58% | 15,459 |
| Q1 2026 | $126.3M | $114.2M | $96.6M | $14.8M | $282K | 0.89% | 4.85% | 0.28% | 15,405 |
| Q4 2025 | $125.2M | $112.6M | $97.9M | $14.5M | $679K | 0.54% | 4.81% | 0.28% | 15,345 |
| Q3 2025 | $123.9M | $111.7M | $97.7M | $15.1M | $300K | 0.32% | 4.77% | 0.36% | 15,276 |
| Q2 2025 | $124.9M | $112.6M | $96.5M | $14.9M | $370K | 0.59% | 4.63% | 0.43% | 15,190 |
| Q1 2025 | $124.9M | $112.8M | $94.0M | $14.7M | $153K | 0.49% | 4.50% | 0.59% | 14,961 |
| Q4 2024 | $122.9M | $110.4M | $95.6M | $14.5M | $735K | 0.60% | 4.53% | 0.71% | 14,843 |
| Q3 2024 | $121.9M | $110.3M | $97.6M | $15.1M | $517K | 0.56% | 4.54% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.74% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 6.5% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 14,657 |
| Q2 2024 | $121.9M | $111.1M | $98.3M | $14.8M | $285K | 0.47% | 4.47% | 0.66% | 14,473 |
Loan mix (Q2 2026): real estate $9.6M · commercial $0 · consumer $80.6M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 77.5% | 57th |
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 1 state (-1 vs 2025). Biggest market: East Baton Rouge, LA, ranked 30th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| East Baton Rouge, LA | 2 | $57.0M* | 0.24% | 30th |
| Orleans, LA | 1 | $28.5M* | 0.13% | 26th |
| Rapides, LA | 1 | $28.5M* | 0.73% | 17th |
Louisiana: 129th with 0.07% · Baton Rouge metro: 44th, 0.18% · New Orleans-Metairie metro: 47th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 4