| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -4.8% | +0.9% | -5.8 pts |
| Loan growth (YoY) | -12.8% | -2.6% | -10.2 pts |
| ROA | -2.81% | 0.65% | -3.5 pts |
| ROE | -30.3% | 4.4% | -34.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.8M | $6.2M | $4.6M | $634K | $-96K | -2.81% | 4.67% | 3.07% | 1,684 |
| Q1 2026 | $6.9M | $6.2M | $4.4M | $717K | $-13K | -0.74% | 4.51% | 3.71% | 1,742 |
| Q4 2025 | $7.0M | $6.2M | $5.0M | $730K | $2K | 0.02% | 4.77% | 3.69% | 1,741 |
| Q3 2025 | $7.1M | $6.3M | $5.1M | $732K | $4K | 0.07% | 4.71% | 3.88% | 1,739 |
| Q2 2025 | $7.2M | $6.5M | $5.3M | $725K | $-3K | -0.08% | 4.77% | 2.90% | 1,814 |
| Q1 2025 | $7.6M | $6.9M | $5.5M | $732K | $4K | 0.20% | 4.42% | 1.80% | 1,816 |
| Q4 2024 | $7.8M | $7.0M | $5.7M | $728K | $16K | 0.21% | 4.45% | 0.42% | 1,815 |
| Q3 2024 | $7.6M | $6.9M | $6.0M | $725K | $13K | 0.22% | 4.43% | 1.95% | 1,831 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.81% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -30.3% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.8M | $7.0M | $6.4M | $713K | $1K | 0.03% | 4.22% | 1.41% | 1,886 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.3% | 80.6% | 93rd |
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: Galveston, TX, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Galveston, TX | 1 | $6.2M* | 0.06% | 30th |
Texas: 833rd with 0.00% · Houston-Pasadena-The Woodlands metro: 188th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1