| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.4 pts |
| Loan growth (YoY) | -7.2% | -2.6% | -4.6 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 7.8% | 4.4% | +3.4 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.4M | $23.8M | $20.8M | $1.7M | $66K | 0.52% | 5.08% | 1.68% | 4,839 |
| Q1 2026 | $25.4M | $23.7M | $21.8M | $1.6M | $-21K | -0.33% | 5.07% | 1.00% | 4,924 |
| Q4 2025 | $25.1M | $23.5M | $22.1M | $1.6M | $19K | 0.08% | 5.51% | 0.99% | 4,965 |
| Q3 2025 | $25.5M | $23.9M | $22.0M | $2.0M | $63K | 0.33% | 5.41% | 0.57% | 4,982 |
| Q2 2025 | $25.4M | $23.7M | $22.4M | $2.0M | $100K | 0.79% | 5.44% | 0.44% | 5,000 |
| Q1 2025 | $25.4M | $23.7M | $22.2M | $2.0M | $87K | 1.38% | 5.43% | 1.50% | 5,014 |
| Q4 2024 | $25.5M | $24.0M | $22.5M | $1.9M | $-187K | -0.73% | 5.62% | 1.43% | 5,029 |
| Q3 2024 | $26.2M | $24.3M | $23.0M | $2.5M | $45K | 0.23% | 5.49% | 1.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,074 |
| Q2 2024 | $26.3M | $24.4M | $23.1M | $2.5M | $47K | 0.36% | 5.45% | 0.86% | 5,073 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $19.0M · securities $19K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.2% | 80.6% | 90th |
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: Terrebonne, LA, ranked 12th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Terrebonne, LA | 1 | $23.8M* | 0.72% | 12th |
Louisiana: 188th with 0.02% · Houma-Bayou Cane-Thibodaux metro: 17th, 0.42% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1