| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -21.1% | +1.3% | -22.4 pts |
| Share growth (YoY) | -30.2% | +0.9% | -31.2 pts |
| Loan growth (YoY) | +22.1% | -2.6% | +24.7 pts |
| ROA | -0.15% | 0.65% | -0.8 pts |
| ROE | -0.4% | 4.4% | -4.8 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 | $3.6M | $2.2M | $2.5M | $1.4M | $-3K | -0.15% | 5.54% | 0.00% | 646 |
| Q1 2026 | $4.3M | $2.9M | $2.5M | $1.4M | $-155 | -0.01% | 4.70% | 0.00% | 668 |
| Q4 2025 | $4.3M | $2.9M | $2.4M | $1.4M | $31K | 0.73% | 5.16% | 0.00% | 663 |
| Q3 2025 | $4.4M | $3.1M | $2.2M | $1.4M | $29K | 0.88% | 5.04% | 0.32% | 665 |
| Q2 2025 | $4.6M | $3.2M | $2.0M | $1.4M | $24K | 1.04% | 4.94% | 0.00% | 665 |
| Q1 2025 | $4.7M | $3.3M | $2.0M | $1.3M | $13K | 1.08% | 4.87% | 0.00% | 672 |
| Q4 2024 | $4.8M | $3.5M | $1.9M | $1.3M | $50K | 1.04% | 4.76% | 0.00% | 681 |
| Q3 2024 | $4.9M | $3.6M | $1.7M | $1.3M | $33K | 0.91% | 4.65% | 0.00% | 673 |
| 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 | -0.4% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.1M | $3.8M | $1.8M | $1.3M | $16K | 0.63% | 4.33% | 0.10% | 673 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $894K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.7% | 80.6% | 88th |
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: Tarrant, TX, ranked 108th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $2.2M* | 0.00% | 108th |
Texas: 885th with 0.00% · Dallas-Fort Worth-Arlington metro: 283rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1