| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.1% | +4.1 pts |
| Share growth (YoY) | +8.4% | +3.5% | +4.8 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.1 pts |
| ROA | 0.41% | 0.74% | -0.3 pts |
| ROE | 2.8% | 6.5% | -3.7 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.8M | $125.7M | $47.2M | $20.7M | $290K | 0.41% | 2.52% | 0.97% | 6,686 |
| Q1 2026 | $141.9M | $125.7M | $46.0M | $20.6M | $147K | 0.42% | 2.45% | 0.66% | 6,682 |
| Q4 2025 | $135.8M | $119.0M | $47.8M | $20.4M | $489K | 0.36% | 2.40% | 0.52% | 6,658 |
| Q3 2025 | $132.9M | $116.4M | $47.9M | $20.3M | $371K | 0.37% | 2.42% | 0.54% | 6,682 |
| Q2 2025 | $131.1M | $116.0M | $47.8M | $20.2M | $248K | 0.38% | 2.41% | 0.78% | 6,701 |
| Q1 2025 | $130.6M | $115.9M | $47.0M | $20.0M | $75K | 0.23% | 2.33% | 0.57% | 6,697 |
| Q4 2024 | $125.1M | $111.9M | $45.8M | $19.9M | $169K | 0.14% | 2.30% | 0.46% | 6,667 |
| Q3 2024 | $126.1M | $111.0M | $44.9M | $19.9M | $151K | 0.16% | 2.27% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.74% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 6.5% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 6,728 |
| Q2 2024 | $122.9M | $109.8M | $43.3M | $19.8M | $96K | 0.16% | 2.30% | 0.32% | 6,776 |
Loan mix (Q2 2026): real estate $9.8M · commercial $232K · consumer $29.8M · securities $78.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 77.5% | 78th |
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.
4 branches in 4 counties across 3 states (+2 vs 2025). Biggest market: Morehouse, LA, ranked 7th with 7.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morehouse, LA | 1 | $31.4M* | 7.71% | 7th |
| Ouachita, LA | 1 | $31.4M* | 0.58% | 21st |
| Allen, IN | 1 | $31.4M* | 0.25% | 32nd |
| 1 more county with Pro → | ||||
Louisiana: 146th with 0.04% · Texas: 673rd with 0.00% · Indiana: 211th with 0.01% · Monroe metro: 22nd, 0.87% · Waco metro: 32nd, 0.31% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4