| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +634.8% | +1.3% | +633.5 pts |
| Share growth (YoY) | +55280.3% | +0.9% | +55279.4 pts |
| Loan growth (YoY) | — | -2.6% | — |
| ROA | -117.25% | 0.65% | -117.9 pts |
| ROE | 741.3% | 4.4% | +736.9 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $149K | $172K | $88K | $-24K | $-87K | -117.25% | 0.44% | 0.00% | 139 |
| Q1 2026 | $72K | $69K | $15K | $9K | $-45K | -248.35% | 0.62% | 0.00% | 89 |
| Q4 2025 | $164K | $57K | $10K | $81K | $196 | 0.12% | 0.10% | 0.00% | 79 |
| Q3 2025 | $86K | $365 | $0 | $75K | $-9K | -14.37% | -0.02% | — | 75 |
| Q2 2025 | $20K | $310 | $0 | $20K | $-24K | -233.87% | 0.00% | — | 62 |
| Q1 2025 | $1 | $0 | $0 | $1 | $0 | 0.00% | 0.00% | — | 1 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $88K · securities $438
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -117.25% | 0.65% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | 741.3% | 4.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.44% | 3.88% | 0th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 3088.0% | 80.6% | 100th |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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: Harris, TX, ranked 176th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $172K* | 0.00% | 176th |
Texas: 912th with 0.00% · Houston-Pasadena-The Woodlands metro: 209th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 1 · 2026 1