| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.2% | +0.9% | -2.2 pts |
| Loan growth (YoY) | -14.8% | -2.6% | -12.2 pts |
| ROA | 0.12% | 0.65% | -0.5 pts |
| ROE | 0.6% | 4.4% | -3.8 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 | $1.0M | $838K | $288K | $196K | $612 | 0.12% | 3.06% | 0.09% | 215 |
| Q1 2026 | $1.0M | $825K | $258K | $194K | $-1K | -0.54% | 2.68% | 0.52% | 214 |
| Q4 2025 | $994K | $794K | $299K | $195K | $5K | 0.55% | 3.95% | 2.50% | 217 |
| Q3 2025 | $1.1M | $854K | $282K | $192K | $2K | 0.22% | 3.23% | 2.46% | 217 |
| Q2 2025 | $1.0M | $849K | $339K | $190K | $421 | 0.08% | 3.27% | 2.82% | 218 |
| Q1 2025 | $1.1M | $872K | $352K | $190K | $550 | 0.21% | 3.36% | 2.97% | 217 |
| Q4 2024 | $1.0M | $850K | $443K | $190K | $7K | 0.68% | 3.97% | 0.78% | 222 |
| Q3 2024 | $1.0M | $854K | $426K | $188K | $6K | 0.72% | 3.88% | 0.00% | 220 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.2M |
| $1.0M |
| $471K |
| $188K |
| $5K |
| 0.90% |
| 3.64% |
| 0.17% |
| 220 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $281K · securities $400K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.4% | 80.6% | 88th |
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: Lamb, TX, ranked 8th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lamb, TX | 1 | $838K* | 0.21% | 8th |
Texas: 904th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1