| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.4% | +1.3% | -12.7 pts |
| Share growth (YoY) | -14.9% | +0.9% | -15.8 pts |
| Loan growth (YoY) | +2.2% | -2.6% | +4.8 pts |
| ROA | 0.36% | 0.65% | -0.3 pts |
| ROE | 1.3% | 4.4% | -3.1 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.0M | $2.2M | $2.7M | $793K | $5K | 0.36% | 5.46% | 2.41% | 495 |
| Q1 2026 | $3.2M | $2.4M | $2.6M | $791K | $3K | 0.36% | 5.10% | 2.61% | 508 |
| Q4 2025 | $3.1M | $2.3M | $2.7M | $788K | $-2K | -0.06% | 5.20% | 3.96% | 514 |
| Q3 2025 | $3.3M | $2.4M | $2.9M | $771K | $-18K | -0.74% | 4.79% | 6.20% | 516 |
| Q2 2025 | $3.4M | $2.5M | $2.7M | $792K | $3K | 0.17% | 4.81% | 7.57% | 517 |
| Q1 2025 | $3.3M | $2.5M | $2.7M | $787K | $-2K | -0.28% | 4.59% | 9.59% | 523 |
| Q4 2024 | $3.3M | $2.4M | $2.6M | $790K | $3K | 0.08% | 4.83% | 8.14% | 529 |
| Q3 2024 | $3.4M | $2.5M | $2.7M | $797K | $10K | 0.41% | 4.80% | 3.04% | 525 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.4M | $2.6M | $2.6M | $791K | $4K | 0.25% | 4.56% | 3.81% | 522 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $1K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 80.6% | 79th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Gregg, TX, ranked 31st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gregg, TX | 3 | $2.2M* | 0.04% | 31st |
Texas: 887th with 0.00% · Longview metro: 35th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3