| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.0 pts |
| Share growth (YoY) | -3.5% | +0.9% | -4.4 pts |
| Loan growth (YoY) | -15.2% | -2.6% | -12.6 pts |
| ROA | 1.46% | 0.65% | +0.8 pts |
| ROE | 4.7% | 4.4% | +0.3 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $622K | $427K | $160K | $195K | $5K | 1.46% | 3.91% | 32.55% | 348 |
| Q1 2026 | $615K | $423K | $174K | $190K | $301 | 0.20% | 2.89% | 9.35% | 351 |
| Q4 2025 | $625K | $433K | $186K | $190K | $6K | 1.01% | 3.32% | 9.83% | 353 |
| Q3 2025 | $624K | $433K | $179K | $191K | $7K | 1.51% | 3.84% | 10.42% | 354 |
| Q2 2025 | $633K | $442K | $189K | $190K | $7K | 2.07% | 4.40% | 10.24% | 367 |
| Q1 2025 | $624K | $438K | $203K | $184K | $437 | 0.28% | 2.88% | 9.34% | 371 |
| Q4 2024 | $631K | $444K | $222K | $184K | $5K | 0.75% | 3.00% | 8.10% | 374 |
| Q3 2024 | $622K | $436K | $216K | $185K | $6K | 1.28% | 3.59% | 7.46% | 372 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.65% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $636K |
| $452K |
| $195K |
| $183K |
| $4K |
| 1.19% |
| 3.43% |
| 6.76% |
| 372 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $139K · securities $304K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 80.6% | 14th |
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: Lafayette, LA, ranked 46th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lafayette, LA | 1 | $427K* | 0.00% | 46th |
Louisiana: 258th with 0.00% · Lafayette metro: 58th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1