| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -5.4% | +0.9% | -6.3 pts |
| Loan growth (YoY) | -10.3% | -2.6% | -7.7 pts |
| ROA | 1.13% | 0.65% | +0.5 pts |
| ROE | 8.2% | 4.4% | +3.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.7M | $9.1M | $4.1M | $1.5M | $60K | 1.13% | 4.47% | 4.54% | 1,617 |
| Q1 2026 | $10.8M | $9.3M | $4.1M | $1.5M | $45K | 1.69% | 4.68% | 3.65% | 1,672 |
| Q4 2025 | $10.9M | $9.4M | $4.3M | $1.4M | $33K | 0.30% | 5.12% | 3.26% | 1,671 |
| Q3 2025 | $11.0M | $9.5M | $4.4M | $1.4M | $57K | 0.69% | 5.14% | 2.82% | 1,670 |
| Q2 2025 | $11.1M | $9.6M | $4.5M | $1.4M | $38K | 0.69% | 5.15% | 5.28% | 1,686 |
| Q1 2025 | $11.8M | $10.3M | $4.7M | $1.4M | $25K | 0.85% | 4.86% | 5.89% | 1,735 |
| Q4 2024 | $11.6M | $10.1M | $4.9M | $1.4M | $70K | 0.60% | 5.52% | 6.37% | 1,734 |
| Q3 2024 | $11.6M | $10.1M | $4.9M | $1.4M | $70K | 0.80% | 5.64% | 5.74% | 1,734 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.6M | $10.0M | $5.1M | $1.4M | $78K | 1.34% | 5.69% | 5.67% | 1,735 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.3% | 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.
4 branches in 1 county across 1 state (+2 vs 2025). Biggest market: Dallas, TX, ranked 142nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 4 | $9.1M* | 0.00% | 142nd |
Texas: 803rd with 0.00% · Dallas-Fort Worth-Arlington metro: 265th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4