| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -13.0% | -2.4% | -10.7 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.6M | $1.5M | $499K | $176K | $2K | 0.50% | 5.06% | 3.05% | 366 |
| Q4 2025 | $1.6M | $1.5M | $541K | $174K | $1K | 0.09% | 5.23% | 2.53% | 373 |
| Q3 2025 | $1.8M | $1.6M | $573K | $178K | $6K | 0.45% | 5.07% | 1.01% | 375 |
| Q2 2025 | $1.7M | $1.5M | $588K | $174K | $1K | 0.13% | 5.07% | 1.39% | 381 |
| Q1 2025 | $1.7M | $1.5M | $574K | $177K | $5K | 1.15% | 5.89% | 1.17% | 382 |
| Q4 2024 | $1.6M | $1.5M | $638K | $173K | $5K | 0.31% | 5.32% | 0.00% | 385 |
| Q3 2024 | $1.8M | $1.6M | $661K | $174K | $6K | 0.48% | 4.94% | 0.30% | 397 |
| Q2 2024 | $1.7M | $1.5M | $686K | $169K | $1K | 0.14% | 4.95% | 0.35% | 397 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $499K · securities $739K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 81.5% | 70th |
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 2024). Biggest market: Orleans, LA, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orleans, LA | 1 | $1.5M* | 0.01% | 47th |
Louisiana: 250th with 0.00% · New Orleans-Metairie metro: 72nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1