| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +2.5% | +0.9% | +1.6 pts |
| Loan growth (YoY) | +1.5% | -2.6% | +4.1 pts |
| ROA | 0.84% | 0.65% | +0.2 pts |
| ROE | 5.2% | 4.4% | +0.9 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.3M | $68.6M | $28.7M | $13.2M | $345K | 0.84% | 3.95% | 1.04% | 4,955 |
| Q1 2026 | $84.2M | $70.6M | $28.5M | $13.0M | $124K | 0.59% | 3.80% | 0.74% | 4,969 |
| Q4 2025 | $81.6M | $68.1M | $28.6M | $12.8M | $547K | 0.67% | 3.96% | 1.14% | 5,008 |
| Q3 2025 | $79.3M | $65.9M | $28.3M | $12.7M | $438K | 0.74% | 4.07% | 0.71% | 5,060 |
| Q2 2025 | $80.3M | $66.9M | $28.3M | $12.6M | $311K | 0.77% | 3.97% | 0.84% | 5,115 |
| Q1 2025 | $82.7M | $69.3M | $27.3M | $12.5M | $191K | 0.93% | 3.78% | 1.00% | 5,153 |
| Q4 2024 | $81.4M | $68.2M | $27.4M | $12.3M | $688K | 0.85% | 3.77% | 1.38% | 5,203 |
| Q3 2024 | $78.3M | $65.7M | $27.6M | $12.1M | $486K | 0.83% | 3.88% | 0.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.65% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,278 |
| Q2 2024 | $79.8M | $67.3M | $27.6M | $12.0M | $346K | 0.87% | 3.74% | 0.56% | 5,323 |
Loan mix (Q2 2026): real estate $12.6M · commercial $0 · consumer $15.7M · securities $39.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 80.6% | 39th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Collin, TX, ranked 83rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Collin, TX | 1 | $34.3M* | 0.08% | 83rd |
| Marion, IN | 1 | $34.3M* | 0.07% | 35th |
Indiana: 208th with 0.01% · Texas: 664th with 0.00% · Dallas-Fort Worth-Arlington metro: 210th, 0.00% · Indianapolis-Carmel-Greenwood metro: 60th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 2