| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +7.3% | +0.9% | +6.3 pts |
| Loan growth (YoY) | -6.1% | -2.6% | -3.5 pts |
| ROA | -0.15% | 0.65% | -0.8 pts |
| ROE | -1.5% | 4.4% | -5.9 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.1M | $9.9M | $5.3M | $1.1M | $-9K | -0.15% | 2.75% | 0.00% | 1,415 |
| Q1 2026 | $10.8M | $9.6M | $5.2M | $1.2M | $-6K | -0.21% | 2.76% | 0.00% | 1,408 |
| Q4 2025 | $10.8M | $9.6M | $5.2M | $1.2M | $32K | 0.29% | 3.02% | 0.00% | 1,400 |
| Q3 2025 | $10.8M | $9.6M | $5.5M | $1.2M | $39K | 0.48% | 3.08% | 0.12% | 1,382 |
| Q2 2025 | $10.4M | $9.2M | $5.6M | $1.2M | $35K | 0.67% | 3.28% | 0.12% | 1,360 |
| Q1 2025 | $9.9M | $8.7M | $5.7M | $1.1M | $7K | 0.29% | 3.14% | 0.13% | 1,357 |
| Q4 2024 | $9.9M | $8.6M | $5.9M | $1.1M | $12K | 0.12% | 3.01% | 0.01% | 1,349 |
| Q3 2024 | $9.8M | $8.5M | $6.0M | $1.2M | $24K | 0.32% | 3.04% | 0.01% | 1,297 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.15% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.7M | $8.5M | $6.1M | $1.1M | $2K | 0.05% | 2.74% | 0.02% | 1,321 |
Loan mix (Q2 2026): real estate $82K · commercial $0 · consumer $4.9M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.4% | 80.6% | 90th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Hale, TX, ranked 9th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hale, TX | 2 | $9.9M* | 1.21% | 9th |
Texas: 796th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2