| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.8% | +0.9% | -0.2 pts |
| Loan growth (YoY) | +8.2% | -2.6% | +10.8 pts |
| ROA | 1.55% | 0.65% | +0.9 pts |
| ROE | 8.9% | 4.4% | +4.5 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.2M | $29.9M | $17.0M | $6.3M | $281K | 1.55% | 3.57% | 0.31% | 2,428 |
| Q1 2026 | $36.7M | $30.5M | $17.4M | $6.2M | $135K | 1.47% | 3.48% | 0.06% | 2,460 |
| Q4 2025 | $35.7M | $29.6M | $17.4M | $6.0M | $685K | 1.92% | 3.82% | 0.14% | 2,458 |
| Q3 2025 | $35.8M | $29.8M | $16.7M | $5.9M | $526K | 1.96% | 3.80% | 0.05% | 2,445 |
| Q2 2025 | $35.5M | $29.7M | $15.8M | $5.7M | $338K | 1.90% | 3.69% | 0.02% | 2,426 |
| Q1 2025 | $35.4M | $29.8M | $16.3M | $5.5M | $152K | 1.72% | 3.58% | 0.02% | 2,462 |
| Q4 2024 | $34.3M | $28.8M | $16.2M | $5.3M | $648K | 1.89% | 3.43% | 0.47% | 2,460 |
| Q3 2024 | $34.2M | $28.9M | $15.6M | $5.2M | $499K | 1.95% | 3.77% | 0.39% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,435 |
| Q2 2024 | $34.2M | $29.1M | $15.6M | $4.9M | $265K | 1.55% | 3.27% | 0.06% | 2,429 |
Loan mix (Q2 2026): real estate $4.1M · commercial $0 · consumer $10.8M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 80.6% | 16th |
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 1 state (+2 vs 2025). Biggest market: Matagorda, TX, ranked 8th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Matagorda, TX | 1 | $10.0M* | 1.19% | 8th |
| McLennan, TX | 1 | $10.0M* | 0.10% | 35th |
| Wharton, TX | 1 | $10.0M* | 0.53% | 9th |
Texas: 685th with 0.00% · Waco metro: 40th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3