| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.6% | +1.3% | -15.9 pts |
| Share growth (YoY) | -18.4% | +0.9% | -19.4 pts |
| Loan growth (YoY) | -14.4% | -2.6% | -11.8 pts |
| ROA | 2.37% | 0.65% | +1.7 pts |
| ROE | 8.8% | 4.4% | +4.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.0M | $3.6M | $2.2M | $1.3M | $60K | 2.37% | 4.57% | 0.93% | 805 |
| Q1 2026 | $5.2M | $3.7M | $2.3M | $1.3M | $36K | 2.73% | 4.55% | 1.62% | 808 |
| Q4 2025 | $6.8M | $5.4M | $2.4M | $1.3M | $198K | 2.91% | 3.74% | 1.59% | 819 |
| Q3 2025 | $6.0M | $4.6M | $2.5M | $1.2M | $131K | 2.89% | 4.13% | 1.30% | 844 |
| Q2 2025 | $5.9M | $4.4M | $2.6M | $1.2M | $99K | 3.36% | 4.31% | 2.31% | 858 |
| Q1 2025 | $5.3M | $3.8M | $3.2M | $1.1M | $47K | 3.56% | 4.55% | 0.63% | 840 |
| Q4 2024 | $4.9M | $3.8M | $3.4M | $1.1M | $117K | 2.38% | 4.91% | 0.73% | 838 |
| Q3 2024 | $4.8M | $3.7M | $3.5M | $1.1M | $110K | 3.04% | 4.98% | 0.00% | 844 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.37% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.4M | $3.4M | $3.8M | $1.0M | $56K | 2.53% | 5.44% | 0.00% | 846 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 80.6% | 32nd |
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.
3 branches in 3 counties across 2 states (+1 vs 2025). Biggest market: Harris, TX, ranked 168th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $1.2M* | 0.00% | 168th |
| Shelby, TN | 1 | $1.2M* | 0.00% | 72nd |
| Tarrant, TX | 1 | $1.2M* | 0.00% | 110th |
Texas: 881st with 0.00% · Tennessee: 309th with 0.00% · Memphis metro: 89th, 0.00% · Houston-Pasadena-The Woodlands metro: 203rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 3