| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -0.5% | +0.9% | -1.4 pts |
| Loan growth (YoY) | +0.4% | -2.6% | +3.1 pts |
| ROA | -1.80% | 0.65% | -2.4 pts |
| ROE | -14.7% | 4.4% | -19.1 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.8M | $13.6M | $13.7M | $1.9M | $-142K | -1.80% | 4.29% | 0.77% | 1,359 |
| Q1 2026 | $16.2M | $14.1M | $13.3M | $1.9M | $-133K | -3.28% | 4.10% | 1.66% | 1,393 |
| Q4 2025 | $16.4M | $14.1M | $13.7M | $2.1M | $20K | 0.12% | 4.04% | 2.67% | 1,397 |
| Q3 2025 | $16.1M | $13.8M | $14.0M | $2.1M | $45K | 0.37% | 4.07% | 1.50% | 1,401 |
| Q2 2025 | $16.0M | $13.7M | $13.7M | $2.2M | $65K | 0.82% | 4.06% | 1.05% | 1,379 |
| Q1 2025 | $16.9M | $14.5M | $13.3M | $2.1M | $46K | 1.10% | 3.74% | 1.36% | 1,384 |
| Q4 2024 | $16.6M | $14.3M | $13.0M | $2.1M | $50K | 0.30% | 3.48% | 0.97% | 1,377 |
| Q3 2024 | $16.5M | $14.2M | $13.2M | $2.1M | $46K | 0.37% | 3.46% | 1.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.80% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -14.7% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,368 |
| Q2 2024 | $16.0M | $13.6M | $13.7M | $2.1M | $46K | 0.58% | 3.49% | 1.02% | 1,364 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $13.1M · securities $437
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 80.6% | 81st |
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: Tarrant, TX, ranked 101st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $13.6M* | 0.02% | 101st |
Texas: 773rd with 0.00% · Dallas-Fort Worth-Arlington metro: 256th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1