| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -0.6% | +0.7% | -1.2 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.9 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72.5M | $61.6M | $51.2M | $10.9M | $153K | 0.84% | 4.05% | 0.86% | 9,464 |
| Q4 2025 | $71.3M | $60.5M | $52.2M | $10.7M | $662K | 0.93% | 4.03% | 0.80% | 9,381 |
| Q3 2025 | $72.0M | $61.1M | $53.0M | $10.7M | $594K | 1.10% | 3.93% | 0.83% | 9,317 |
| Q2 2025 | $72.3M | $61.7M | $52.1M | $10.4M | $352K | 0.97% | 3.85% | 0.64% | 9,280 |
| Q1 2025 | $72.3M | $61.9M | $50.9M | $10.3M | $175K | 0.97% | 3.70% | 0.45% | 9,259 |
| Q4 2024 | $68.9M | $58.7M | $52.2M | $10.1M | $224K | 0.33% | 3.69% | 0.73% | 9,229 |
| Q3 2024 | $68.3M | $57.9M | $53.2M | $10.3M | $470K | 0.92% | 3.68% | 0.90% | 9,202 |
| Q2 2024 | $68.7M | $58.5M | $53.0M | $10.1M | $232K | 0.68% | 3.60% | 0.72% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,148 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $46.1M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 81.5% | 41st |
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.
2 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Iberia, LA, ranked 11th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iberia, LA | 1 | $30.9M* | 1.68% | 11th |
| Lafayette, LA | 1 | $30.9M* | 0.33% | 27th |
Louisiana: 145th with 0.04% · Lafayette metro: 37th, 0.25% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2