| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.1 pts |
| Loan growth (YoY) | -8.9% | -2.6% | -6.3 pts |
| ROA | 0.83% | 0.65% | +0.2 pts |
| ROE | 7.4% | 4.4% | +3.0 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.2M | $30.2M | $8.0M | $3.9M | $142K | 0.83% | 3.80% | 0.00% | 1,891 |
| Q1 2026 | $34.6M | $30.8M | $8.2M | $3.8M | $74K | 0.86% | 3.76% | 0.08% | 1,914 |
| Q4 2025 | $33.9M | $30.2M | $8.3M | $3.7M | $308K | 0.91% | 3.81% | 0.00% | 2,087 |
| Q3 2025 | $34.7M | $30.9M | $8.3M | $3.7M | $280K | 1.08% | 3.71% | 0.00% | 2,092 |
| Q2 2025 | $34.0M | $30.3M | $8.8M | $3.6M | $186K | 1.09% | 3.81% | 0.05% | 2,128 |
| Q1 2025 | $33.6M | $30.0M | $9.9M | $3.5M | $104K | 1.24% | 3.88% | 0.09% | 2,152 |
| Q4 2024 | $32.1M | $28.7M | $9.7M | $3.4M | $437K | 1.36% | 3.89% | 0.18% | 2,162 |
| Q3 2024 | $32.6M | $29.2M | $8.7M | $3.3M | $318K | 1.30% | 3.80% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.65% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,159 |
| Q2 2024 | $32.2M | $28.9M | $8.8M | $3.1M | $213K | 1.32% | 3.76% | 0.04% | 2,177 |
Loan mix (Q2 2026): real estate $4.6M · commercial $1.5M · consumer $1.5M · securities $21.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 80.6% | 45th |
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: Bell, TX, ranked 21st with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bell, TX | 1 | $30.2M* | 0.32% | 21st |
Texas: 681st with 0.00% · Killeen-Temple metro: 26th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1