| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +1.9% | +0.9% | +1.0 pts |
| Loan growth (YoY) | -16.9% | -2.6% | -14.3 pts |
| ROA | -0.14% | 0.65% | -0.8 pts |
| ROE | -0.9% | 4.4% | -5.3 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.0M | $18.9M | $11.5M | $3.3M | $-15K | -0.14% | 2.57% | 0.78% | 1,719 |
| Q1 2026 | $22.2M | $19.2M | $12.0M | $3.3M | $-20K | -0.35% | 2.44% | 0.28% | 1,726 |
| Q4 2025 | $21.6M | $18.5M | $12.3M | $3.3M | $53K | 0.24% | 2.61% | 1.07% | 1,725 |
| Q3 2025 | $21.4M | $18.4M | $13.0M | $3.3M | $55K | 0.34% | 2.68% | 1.09% | 1,729 |
| Q2 2025 | $21.7M | $18.6M | $13.9M | $3.3M | $51K | 0.47% | 2.62% | 1.41% | 1,729 |
| Q1 2025 | $22.6M | $19.6M | $14.3M | $3.3M | $28K | 0.49% | 2.50% | 0.61% | 1,745 |
| Q4 2024 | $23.1M | $20.0M | $15.1M | $3.3M | $-59K | -0.25% | 2.35% | 1.19% | 1,750 |
| Q3 2024 | $23.2M | $20.2M | $15.7M | $3.3M | $-36K | -0.20% | 2.32% | 0.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.14% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,751 |
| Q2 2024 | $23.1M | $20.1M | $15.9M | $3.3M | $-25K | -0.21% | 2.11% | 1.23% | 1,748 |
Loan mix (Q2 2026): real estate $3.5M · commercial $0 · consumer $6.3M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.3% | 80.6% | 92nd |
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 2 counties across 1 state (+2 vs 2025). Biggest market: Smith, TX, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Smith, TX | 2 | $12.6M* | 0.12% | 35th |
| McLennan, TX | 1 | $6.3M* | 0.07% | 38th |
Texas: 736th with 0.00% · Tyler metro: 35th, 0.12% · Waco metro: 43rd, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3