| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -7.9% | +0.7% | -8.6 pts |
| Loan growth (YoY) | -6.1% | -2.4% | -3.7 pts |
| ROA | -1.17% | 0.60% | -1.8 pts |
| ROE | -7.2% | 4.1% | -11.3 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.2M | $19.5M | $13.7M | $3.8M | $-68K | -1.17% | 4.45% | 2.03% | 1,737 |
| Q4 2025 | $23.2M | $19.4M | $14.3M | $3.8M | $-352K | -1.51% | 4.52% | 2.24% | 1,737 |
| Q3 2025 | $23.4M | $19.5M | $14.5M | $4.0M | $-229K | -1.30% | 4.43% | 1.69% | 1,850 |
| Q2 2025 | $24.3M | $20.3M | $14.6M | $4.0M | $-217K | -1.79% | 4.13% | 2.14% | 1,850 |
| Q1 2025 | $24.5M | $21.2M | $14.6M | $4.1M | $-92K | -1.50% | 3.96% | 1.07% | 1,895 |
| Q4 2024 | $24.8M | $20.5M | $14.9M | $4.2M | $-356K | -1.44% | 3.91% | 0.48% | 1,914 |
| Q3 2024 | $25.2M | $20.9M | $15.2M | $4.3M | $-200K | -1.06% | 3.77% | 0.12% | 1,755 |
| Q2 2024 | $25.5M | $21.1M | $15.2M | $4.3M | $-185K | -1.45% | 3.75% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.17% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,787 |
Loan mix (Q1 2026): real estate $2.9M · commercial $0 · consumer $8.6M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.9% | 81.5% | 91st |
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 (-1 vs 2024). Biggest market: East Baton Rouge, LA, ranked 43rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| East Baton Rouge, LA | 1 | $20.3M* | 0.09% | 43rd |
Louisiana: 190th with 0.01% · Baton Rouge metro: 54th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 1