| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +3.9% | +0.2 pts |
| Share growth (YoY) | +3.0% | +3.3% | -0.3 pts |
| Loan growth (YoY) | -2.8% | +2.9% | -5.7 pts |
| ROA | 1.06% | 0.69% | +0.4 pts |
| ROE | 4.7% | 5.9% | -1.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $190.7M | $145.0M | $68.8M | $43.1M | $505K | 1.06% | 3.21% | 0.76% | 12,657 |
| Q4 2025 | $186.9M | $141.5M | $70.1M | $42.6M | $2.6M | 1.41% | 3.20% | 0.68% | 12,631 |
| Q3 2025 | $185.4M | $141.7M | $70.5M | $41.8M | $1.9M | 1.33% | 3.21% | 0.54% | 12,634 |
| Q2 2025 | $183.9M | $141.3M | $70.3M | $41.2M | $1.2M | 1.29% | 3.15% | 0.63% | 12,585 |
| Q1 2025 | $183.1M | $140.8M | $70.8M | $40.6M | $605K | 1.32% | 3.07% | 0.62% | 12,702 |
| Q4 2024 | $180.8M | $139.1M | $72.1M | $40.0M | $2.4M | 1.31% | 3.05% | 0.48% | 12,689 |
| Q3 2024 | $175.5M | $135.2M | $73.5M | $39.4M | $1.9M | 1.41% | 3.14% | 0.43% | 12,673 |
| Q2 2024 | $176.0M | $136.1M | $74.9M | $38.8M | $1.1M | 1.30% | 3.10% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.69% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 12,628 |
Loan mix (Q1 2026): real estate $32.5M · commercial $0 · consumer $35.4M · securities $74.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 78.7% | 20th |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Nueces, TX, ranked 17th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nueces, TX | 3 | $106.0M* | 1.20% | 17th |
| Cameron, TX | 1 | $35.3M* | 0.46% | 24th |
Texas: 452nd with 0.01% · Corpus Christi metro: 19th, 0.94% · Brownsville-Harlingen metro: 24th, 0.46% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4