| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.4 pts |
| Share growth (YoY) | +4.5% | +0.9% | +3.5 pts |
| Loan growth (YoY) | +1.4% | -2.6% | +4.0 pts |
| ROA | 0.62% | 0.65% | -0.0 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.5M | $9.8M | $9.2M | $1.6M | $36K | 0.62% | 4.92% | 0.23% | 1,569 |
| Q1 2026 | $12.0M | $10.1M | $9.0M | $1.6M | $21K | 0.70% | 4.65% | 0.64% | 1,569 |
| Q4 2025 | $11.2M | $9.4M | $8.7M | $1.6M | $112K | 1.01% | 4.96% | 0.63% | 1,524 |
| Q3 2025 | $11.5M | $9.8M | $8.9M | $1.5M | $86K | 1.00% | 4.89% | 0.35% | 1,469 |
| Q2 2025 | $11.1M | $9.4M | $9.0M | $1.5M | $52K | 0.93% | 5.03% | 0.39% | 1,403 |
| Q1 2025 | $11.0M | $9.4M | $9.1M | $1.5M | $27K | 1.00% | 5.02% | 1.09% | 1,403 |
| Q4 2024 | $11.0M | $9.1M | $8.9M | $1.5M | $180K | 1.64% | 4.95% | 1.40% | 1,403 |
| Q3 2024 | $10.8M | $9.1M | $8.6M | $1.5M | $162K | 2.01% | 5.04% | 1.43% | 1,376 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.0M | $9.3M | $8.4M | $1.4M | $128K | 2.33% | 4.99% | 0.13% | 1,358 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8.4M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 80.6% | 40th |
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 147th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $9.8M* | 0.00% | 147th |
Texas: 797th with 0.00% · Houston-Pasadena-The Woodlands metro: 180th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1