| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -2.4% | +0.9% | -3.3 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.2 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 2.3% | 4.4% | -2.1 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 | $26.1M | $22.8M | $13.6M | $3.3M | $38K | 0.29% | 3.50% | 0.39% | 2,296 |
| Q1 2026 | $26.0M | $22.7M | $13.7M | $3.3M | $16K | 0.25% | 3.48% | 0.34% | 2,303 |
| Q4 2025 | $26.2M | $22.9M | $13.8M | $3.2M | $27K | 0.10% | 3.32% | 0.14% | 2,301 |
| Q3 2025 | $25.8M | $22.5M | $13.5M | $3.2M | $24K | 0.12% | 3.38% | 0.06% | 2,225 |
| Q2 2025 | $26.6M | $23.3M | $13.3M | $3.2M | $5K | 0.04% | 3.26% | 0.13% | 2,327 |
| Q1 2025 | $26.9M | $23.6M | $13.5M | $3.2M | $4K | 0.06% | 3.22% | 0.17% | 2,241 |
| Q4 2024 | $27.3M | $24.1M | $13.6M | $3.2M | $18K | 0.07% | 3.26% | 0.68% | 2,259 |
| Q3 2024 | $28.3M | $25.0M | $14.5M | $3.2M | $424 | 0.00% | 3.17% | 0.84% |
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 | 2.3% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,271 |
| Q2 2024 | $27.7M | $24.4M | $14.7M | $3.2M | $16K | 0.12% | 3.20% | 0.33% | 2,271 |
Loan mix (Q2 2026): real estate $3.4M · commercial $685K · consumer $8.7M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 80.6% | 77th |
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: Caddo, LA, ranked 29th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, LA | 1 | $22.8M* | 0.31% | 29th |
Louisiana: 189th with 0.01% · Shreveport-Bossier City metro: 32nd, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1