| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +8.5% | +0.9% | +7.6 pts |
| Loan growth (YoY) | +8.3% | -2.6% | +10.9 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 1.4% | 4.4% | -3.0 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.3M | $1.8M | $367K | $502K | $3K | 0.29% | 1.37% | 0.00% | 101 |
| Q1 2026 | $2.3M | $1.8M | $436K | $500K | $2K | 0.29% | 1.46% | 0.00% | 101 |
| Q4 2025 | $2.4M | $1.9M | $432K | $498K | $3K | 0.14% | 1.16% | 0.00% | 103 |
| Q3 2025 | $2.2M | $1.7M | $353K | $497K | $3K | 0.15% | 1.26% | 0.00% | 103 |
| Q2 2025 | $2.2M | $1.7M | $339K | $497K | $2K | 0.20% | 1.37% | 0.00% | 100 |
| Q1 2025 | $2.2M | $1.7M | $408K | $496K | $954 | 0.17% | 1.40% | 0.00% | 99 |
| Q4 2024 | $2.2M | $1.7M | $468K | $495K | $9K | 0.40% | 1.43% | 0.00% | 100 |
| Q3 2024 | $2.1M | $1.6M | $483K | $495K | $8K | 0.53% | 1.63% | 0.00% | 100 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.1M |
| $1.6M |
| $459K |
| $491K |
| $5K |
| 0.47% |
| 1.59% |
| 0.00% |
| 100 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $261K · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 80.6% | 46th |
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: Colorado, TX, ranked 8th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Colorado, TX | 1 | $1.8M* | 0.23% | 8th |
Texas: 891st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1