| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +3.8% | +0.9% | +2.9 pts |
| Loan growth (YoY) | -7.7% | -2.6% | -5.1 pts |
| ROA | 0.10% | 0.65% | -0.6 pts |
| ROE | 0.5% | 4.4% | -3.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.2M | $4.2M | $1.9M | $1.0M | $2K | 0.10% | 3.57% | 6.74% | 811 |
| Q1 2026 | $5.1M | $4.1M | $1.8M | $1.0M | $13K | 1.03% | 3.91% | 5.62% | 813 |
| Q4 2025 | $5.0M | $4.0M | $1.8M | $1.0M | $5K | 0.11% | 3.51% | 11.39% | 811 |
| Q3 2025 | $4.9M | $3.9M | $1.9M | $1.0M | $5K | 0.13% | 3.78% | 8.03% | 450 |
| Q2 2025 | $5.1M | $4.0M | $2.0M | $1.0M | $5K | 0.19% | 3.58% | 3.89% | 430 |
| Q1 2025 | $4.9M | $3.9M | $1.7M | $1.0M | $-7K | -0.54% | 3.10% | 9.20% | 821 |
| Q4 2024 | $4.8M | $3.8M | $1.9M | $1.0M | $86K | 1.79% | 5.17% | 10.32% | 822 |
| Q3 2024 | $4.9M | $3.8M | $2.0M | $1.0M | $5K | 0.13% | 3.43% | 9.22% | 856 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.0M |
| $4.0M |
| $2.3M |
| $1.0M |
| $-6K |
| -0.25% |
| 3.31% |
| 13.52% |
| 869 |
Loan mix (Q2 2026): real estate $757K · commercial $0 · consumer $995K · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 80.6% | 58th |
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: Dallas, TX, ranked 147th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 1 | $4.2M* | 0.00% | 147th |
Texas: 859th with 0.00% · Dallas-Fort Worth-Arlington metro: 277th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1