| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +1.8% | +0.9% | +0.9 pts |
| Loan growth (YoY) | +3.2% | -2.6% | +5.8 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.6% | 4.4% | -0.8 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.9M | $55.0M | $43.3M | $6.7M | $122K | 0.40% | 3.73% | 0.89% | 6,741 |
| Q1 2026 | $62.0M | $55.6M | $40.0M | $6.7M | $126K | 0.81% | 3.54% | 0.78% | 6,719 |
| Q4 2025 | $59.8M | $54.0M | $40.8M | $6.6M | $163K | 0.27% | 3.67% | 1.20% | 6,724 |
| Q3 2025 | $58.8M | $52.5M | $41.8M | $6.5M | $71K | 0.16% | 3.70% | 0.91% | 6,770 |
| Q2 2025 | $60.2M | $54.0M | $41.9M | $6.4M | $-42K | -0.14% | 3.54% | 0.82% | 6,726 |
| Q1 2025 | $60.8M | $54.4M | $39.6M | $6.4M | $-78K | -0.51% | 3.39% | 0.50% | 6,663 |
| Q4 2024 | $57.8M | $51.3M | $39.8M | $6.4M | $-145K | -0.25% | 3.19% | 1.33% | 6,629 |
| Q3 2024 | $57.8M | $51.4M | $40.3M | $6.5M | $-75K | -0.17% | 3.15% | 0.92% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,631 |
| Q2 2024 | $57.8M | $51.3M | $40.7M | $6.6M | $-33K | -0.11% | 3.08% | 1.11% | 6,500 |
Loan mix (Q2 2026): real estate $12.8M · commercial $0 · consumer $27.6M · securities $9.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 80.6% | 65th |
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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Iberia, LA, ranked 12th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iberia, LA | 1 | $27.5M* | 1.48% | 12th |
| Lafayette, LA | 1 | $27.5M* | 0.28% | 32nd |
Louisiana: 153rd with 0.04% · Lafayette metro: 42nd, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2