| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -1.3% | +0.9% | -2.2 pts |
| Loan growth (YoY) | -6.7% | -2.6% | -4.0 pts |
| ROA | 1.07% | 0.65% | +0.4 pts |
| ROE | 3.3% | 4.4% | -1.1 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.4M | $8.3M | $2.6M | $4.1M | $66K | 1.07% | 4.06% | 0.08% | 1,106 |
| Q1 2026 | $12.2M | $8.2M | $2.8M | $4.0M | $34K | 1.10% | 4.15% | 0.00% | 1,151 |
| Q4 2025 | $12.2M | $8.2M | $3.0M | $4.0M | $142K | 1.17% | 4.52% | 0.03% | 1,161 |
| Q3 2025 | $12.3M | $8.3M | $3.0M | $4.0M | $111K | 1.21% | 4.52% | 0.01% | 1,178 |
| Q2 2025 | $12.3M | $8.4M | $2.8M | $3.9M | $68K | 1.10% | 4.47% | 0.00% | 1,181 |
| Q1 2025 | $12.1M | $8.2M | $2.9M | $3.9M | $29K | 0.96% | 4.56% | 0.26% | 1,227 |
| Q4 2024 | $12.1M | $8.2M | $3.0M | $3.8M | $216K | 1.79% | 4.99% | 0.27% | 1,244 |
| Q3 2024 | $12.5M | $8.7M | $3.0M | $3.8M | $169K | 1.80% | 4.89% | 0.06% | 1,254 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $13.3M | $9.5M | $3.0M | $3.7M | $110K | 1.66% | 4.57% | 0.53% | 1,265 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 80.6% | 38th |
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: Lamar, TX, ranked 11th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lamar, TX | 1 | $8.3M* | 0.44% | 11th |
Texas: 816th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1