| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +4.2% | +0.9% | +3.3 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.1 pts |
| ROA | 0.39% | 0.65% | -0.3 pts |
| ROE | 3.5% | 4.4% | -0.9 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.4M | $42.0M | $21.9M | $5.3M | $93K | 0.39% | 2.74% | 1.14% | 3,701 |
| Q1 2026 | $47.4M | $41.4M | $22.7M | $5.3M | $87K | 0.73% | 2.86% | 0.34% | 3,264 |
| Q4 2025 | $47.3M | $41.0M | $23.1M | $5.2M | $597K | 1.26% | 3.08% | 0.27% | 3,290 |
| Q3 2025 | $45.5M | $40.2M | $22.7M | $4.9M | $263K | 0.77% | 3.26% | 0.21% | 3,281 |
| Q2 2025 | $45.6M | $40.3M | $22.7M | $4.8M | $194K | 0.85% | 3.27% | 0.20% | 3,281 |
| Q1 2025 | $46.2M | $40.9M | $23.3M | $4.7M | $124K | 1.07% | 3.23% | 0.34% | 3,278 |
| Q4 2024 | $47.2M | $42.2M | $24.6M | $4.6M | $906K | 1.92% | 3.20% | 0.41% | 3,316 |
| Q3 2024 | $44.0M | $40.4M | $25.7M | $4.0M | $260K | 0.79% | 3.48% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,307 |
| Q2 2024 | $44.9M | $41.5M | $27.3M | $3.9M | $171K | 0.76% | 3.42% | 0.47% | 3,337 |
Loan mix (Q2 2026): real estate $4.6M · commercial $0 · consumer $16.7M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 80.6% | 77th |
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: Harris, TX, ranked 121st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $42.0M* | 0.01% | 121st |
Texas: 641st with 0.00% · Houston-Pasadena-The Woodlands metro: 146th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1