| Metric | Germania Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.8% | +0.9% | +0.8 pts |
| Loan growth (YoY) | -5.5% | -2.6% | -2.9 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.5M | $16.9M | $10.5M | $2.5M | $52K | 0.53% | 3.19% | 0.00% | 2,538 |
| Q1 2026 | $19.4M | $16.8M | $10.2M | $2.4M | $19K | 0.40% | 3.17% | 0.00% | 2,535 |
| Q4 2025 | $19.0M | $16.5M | $10.3M | $2.4M | $113K | 0.59% | 3.44% | 0.00% | 2,534 |
| Q3 2025 | $18.2M | $15.6M | $10.8M | $2.4M | $100K | 0.73% | 3.67% | 0.00% | 2,537 |
| Q2 2025 | $19.1M | $16.6M | $11.1M | $2.4M | $72K | 0.75% | 3.46% | 0.00% | 2,537 |
| Q1 2025 | $19.2M | $16.8M | $11.3M | $2.3M | $16K | 0.32% | 3.37% | 0.00% | 2,597 |
| Q4 2024 | $19.6M | $17.2M | $12.1M | $2.3M | $76K | 0.39% | 3.03% | 0.00% | 2,590 |
| Q3 2024 | $19.1M | $16.8M | $12.9M | $2.3M | $112K | 0.78% | 3.29% | 0.00% |
| Ratio | Germania Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,605 |
| Q2 2024 | $19.1M | $16.8M | $14.4M | $2.3M | $62K | 0.65% | 3.16% | 0.03% | 2,623 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $7.1M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 80.6% | 62nd |
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 | Germania Credit Union | 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 | Germania Credit Union | 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 | Germania Credit Union | 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 | Germania Credit Union | 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 | Germania Credit Union | 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 (+1 vs 2025). Biggest market: Harris, TX, ranked 152nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $8.4M* | 0.00% | 152nd |
| Washington, TX | 1 | $8.4M* | 0.49% | 12th |
Texas: 746th with 0.00% · Houston-Pasadena-The Woodlands metro: 185th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2