| Metric | Investex Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.1% | -1.9 pts |
| Share growth (YoY) | +1.5% | +3.5% | -2.0 pts |
| Loan growth (YoY) | +2.0% | +2.9% | -0.9 pts |
| ROA | 0.26% | 0.74% | -0.5 pts |
| ROE | 2.2% | 6.5% | -4.2 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 | $245.4M | $228.6M | $132.1M | $27.9M | $314K | 0.26% | 2.98% | 0.47% | 21,259 |
| Q1 2026 | $245.3M | $228.4M | $128.1M | $27.7M | $100K | 0.16% | 2.96% | 0.64% | 21,415 |
| Q4 2025 | $239.6M | $223.2M | $128.9M | $27.6M | $652K | 0.27% | 2.91% | 0.68% | 21,389 |
| Q3 2025 | $239.1M | $223.2M | $128.6M | $27.4M | $371K | 0.21% | 2.88% | 0.78% | 21,415 |
| Q2 2025 | $240.0M | $225.2M | $129.5M | $27.1M | $165K | 0.14% | 2.80% | 0.96% | 21,377 |
| Q1 2025 | $243.9M | $230.3M | $129.8M | $26.9M | $-107K | -0.18% | 2.65% | 0.84% | 21,488 |
| Q4 2024 | $235.7M | $223.6M | $129.0M | $27.0M | $140K | 0.06% | 2.56% | 0.95% | 21,442 |
| Q3 2024 | $235.5M | $220.7M | $128.4M | $27.0M | $173K | 0.10% | 2.54% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Investex Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.74% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 6.5% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 21,356 |
| Q2 2024 | $234.3M | $222.9M | $129.7M | $26.8M | $-29K | -0.02% | 2.53% | 0.83% | 21,277 |
Loan mix (Q2 2026): real estate $37.9M · commercial $0 · consumer $90.9M · securities $79.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 77.5% | 62nd |
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 | Investex Credit Union | 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 | Investex Credit Union | 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 | Investex Credit Union | 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 | Investex Credit Union | 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 | Investex Credit Union | 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.
6 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Harris, TX, ranked 70th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 6 | $228.6M* | 0.07% | 70th |
Texas: 382nd with 0.01% · Houston-Pasadena-The Woodlands metro: 93rd, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2023 6 · 2024 6 · 2025 6 · 2026 6