| Metric | Mesquite Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +0.9% | +0.9% | -0.0 pts |
| Loan growth (YoY) | -1.7% | -2.6% | +0.9 pts |
| ROA | 0.96% | 0.65% | +0.3 pts |
| ROE | 8.7% | 4.4% | +4.3 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.8M | $36.0M | $24.8M | $4.5M | $195K | 0.96% | 4.25% | 0.03% | 2,824 |
| Q1 2026 | $41.0M | $36.4M | $25.6M | $4.4M | $95K | 0.92% | 4.18% | 0.03% | 2,873 |
| Q4 2025 | $40.6M | $35.9M | $26.3M | $4.3M | $373K | 0.92% | 4.20% | 0.13% | 2,888 |
| Q3 2025 | $40.4M | $36.0M | $24.7M | $4.2M | $273K | 0.90% | 4.20% | 0.13% | 2,886 |
| Q2 2025 | $39.9M | $35.6M | $25.3M | $4.1M | $179K | 0.90% | 4.20% | 0.13% | 2,899 |
| Q1 2025 | $40.6M | $36.3M | $25.6M | $4.0M | $84K | 0.82% | 4.02% | 0.09% | 2,957 |
| Q4 2024 | $39.8M | $35.5M | $25.2M | $3.9M | $398K | 1.00% | 3.92% | 0.15% | 2,984 |
| Q3 2024 | $40.1M | $36.0M | $25.5M | $3.8M | $276K | 0.92% | 3.78% | 0.19% |
| Ratio | Mesquite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,998 |
| Q2 2024 | $40.1M | $36.0M | $26.8M | $3.7M | $186K | 0.93% | 3.69% | 0.39% | 3,016 |
Loan mix (Q2 2026): real estate $9.1M · commercial $0 · consumer $14.5M · securities $10.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 80.6% | 46th |
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 | Mesquite Credit Union | 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 | Mesquite Credit Union | 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 | Mesquite Credit Union | 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 | Mesquite Credit Union | 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 | Mesquite Credit Union | 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 1 county across 1 state (+0 vs 2025). Biggest market: Dallas, TX, ranked 122nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 2 | $36.0M* | 0.01% | 122nd |
Texas: 658th with 0.00% · Dallas-Fort Worth-Arlington metro: 208th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2