| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +3.7% | +0.9% | +2.7 pts |
| Loan growth (YoY) | +7.8% | -2.6% | +10.4 pts |
| ROA | 2.38% | 0.65% | +1.7 pts |
| ROE | 11.3% | 4.4% | +6.9 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.7M | $2.2M | $1.2M | $576K | $33K | 2.38% | 1.72% | 0.00% | 489 |
| Q1 2026 | $2.8M | $2.2M | $1.3M | $555K | $11K | 1.58% | 1.69% | 0.00% | 363 |
| Q4 2025 | $2.8M | $2.2M | $1.3M | $544K | $41K | 1.49% | 1.84% | 0.00% | 485 |
| Q3 2025 | $2.6M | $2.1M | $1.3M | $535K | $39K | 2.01% | 1.97% | 0.00% | 356 |
| Q2 2025 | $2.6M | $2.1M | $1.1M | $528K | $32K | 2.46% | 1.98% | 0.00% | 355 |
| Q1 2025 | $2.5M | $2.0M | $1.2M | $506K | $10K | 1.63% | 2.10% | 0.00% | 349 |
| Q4 2024 | $2.5M | $2.0M | $1.1M | $496K | $45K | 1.80% | 2.59% | 0.00% | 458 |
| Q3 2024 | $2.5M | $2.0M | $1.2M | $497K | $46K | 2.49% | 2.73% | 0.00% | 452 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.38% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.5M | $2.0M | $975K | $487K | $36K | 2.95% | 2.81% | 0.00% | 443 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.2M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.1% | 80.6% | 1st |
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 3 counties across 1 state (+0 vs 2025). Biggest market: Williamson, TX, ranked 54th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Williamson, TX | 1 | $721K* | 0.00% | 54th |
| Dallas, TX | 1 | $721K* | 0.00% | 150th |
| Harris, TX | 1 | $721K* | 0.00% | 172nd |
Texas: 888th with 0.00% · Austin-Round Rock-San Marcos metro: 101st, 0.00% · Dallas-Fort Worth-Arlington metro: 291st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3