| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -6.7% | +0.9% | -7.7 pts |
| Loan growth (YoY) | -27.8% | -2.6% | -25.2 pts |
| ROA | -0.22% | 0.65% | -0.9 pts |
| ROE | -0.8% | 4.4% | -5.2 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $1.2M | $809K | $513K | $-2K | -0.22% | 4.84% | 0.04% | 426 |
| Q1 2026 | $1.8M | $1.3M | $777K | $514K | $-871 | -0.20% | 4.63% | 0.00% | 431 |
| Q4 2025 | $1.9M | $1.4M | $916K | $515K | $14K | 0.74% | 5.30% | 0.39% | 438 |
| Q3 2025 | $1.9M | $1.4M | $1.0M | $518K | $17K | 1.20% | 5.41% | 0.36% | 437 |
| Q2 2025 | $1.8M | $1.3M | $1.1M | $514K | $14K | 1.48% | 5.66% | 0.53% | 435 |
| Q1 2025 | $1.9M | $1.4M | $1.1M | $506K | $5K | 1.05% | 5.37% | 0.31% | 439 |
| Q4 2024 | $1.9M | $1.4M | $1.2M | $501K | $18K | 0.95% | 5.39% | 0.50% | 440 |
| Q3 2024 | $1.9M | $1.4M | $1.2M | $497K | $14K | 0.98% | 5.36% | 0.25% | 440 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 0.65% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.8M | $1.3M | $1.3M | $489K | $6K | 0.70% | 5.67% | 2.02% | 438 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $629K · securities $500K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.1% | 80.6% | 87th |
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: Smith, TX, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Smith, TX | 1 | $1.2M* | 0.01% | 40th |
Texas: 900th with 0.00% · Tyler metro: 40th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1