| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.6 pts |
| Loan growth (YoY) | +12.8% | -2.6% | +15.4 pts |
| ROA | 1.20% | 0.65% | +0.6 pts |
| ROE | 7.0% | 4.4% | +2.6 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.3M | $14.1M | $9.6M | $2.9M | $103K | 1.20% | 4.79% | 0.00% | 1,039 |
| Q1 2026 | $17.4M | $14.4M | $8.7M | $2.9M | $49K | 1.13% | 4.62% | 0.00% | 1,054 |
| Q4 2025 | $17.7M | $14.6M | $8.3M | $2.8M | $157K | 0.88% | 4.16% | 0.00% | 1,054 |
| Q3 2025 | $16.6M | $13.6M | $8.8M | $2.9M | $210K | 1.68% | 5.06% | 0.00% | 1,049 |
| Q2 2025 | $16.9M | $13.9M | $8.6M | $2.8M | $137K | 1.62% | 4.93% | 0.07% | 1,040 |
| Q1 2025 | $16.1M | $13.3M | $8.4M | $2.7M | $67K | 1.65% | 5.06% | 0.00% | 1,045 |
| Q4 2024 | $15.9M | $13.0M | $8.0M | $2.7M | $146K | 0.92% | 4.47% | 0.00% | 1,033 |
| Q3 2024 | $15.4M | $12.6M | $7.8M | $2.7M | $210K | 1.82% | 5.12% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,028 |
| Q2 2024 | $15.3M | $12.5M | $7.5M | $2.7M | $137K | 1.78% | 5.02% | 0.00% | 1,024 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8.0M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 80.6% | 42nd |
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.
3 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Harris, TX, ranked 149th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 2 | $9.4M* | 0.00% | 149th |
| Fort Bend, TX | 1 | $4.7M* | 0.02% | 61st |
Texas: 769th with 0.00% · Houston-Pasadena-The Woodlands metro: 174th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3