| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +1.3% | -9.1 pts |
| Share growth (YoY) | -9.3% | +0.9% | -10.3 pts |
| Loan growth (YoY) | -4.8% | -2.6% | -2.2 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.0M | $8.7M | $4.4M | $1.3M | $20K | 0.40% | 3.39% | 0.00% | 586 |
| Q1 2026 | $10.7M | $9.4M | $4.3M | $1.3M | $12K | 0.44% | 3.21% | 0.00% | 600 |
| Q4 2025 | $10.7M | $9.4M | $4.4M | $1.2M | $65K | 0.61% | 3.29% | 0.00% | 612 |
| Q3 2025 | $10.7M | $9.4M | $4.5M | $1.2M | $56K | 0.70% | 3.29% | 0.00% | 612 |
| Q2 2025 | $10.9M | $9.6M | $4.6M | $1.2M | $37K | 0.69% | 3.23% | 0.00% | 609 |
| Q1 2025 | $10.7M | $9.5M | $4.4M | $1.2M | $15K | 0.56% | 3.23% | 0.06% | 618 |
| Q4 2024 | $10.6M | $9.4M | $4.6M | $1.2M | $78K | 0.73% | 3.19% | 0.07% | 612 |
| Q3 2024 | $10.3M | $9.2M | $4.8M | $1.2M | $59K | 0.76% | 3.20% | 0.03% | 609 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.5M | $9.3M | $4.8M | $1.1M | $43K | 0.82% | 3.06% | 0.04% | 609 |
Loan mix (Q2 2026): real estate $34K · commercial $0 · consumer $4.1M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 80.6% | 66th |
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: Jackson, TX, ranked 7th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, TX | 1 | $8.7M* | 1.84% | 7th |
Texas: 810th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1