| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +3.3% | +0.9% | +2.3 pts |
| Loan growth (YoY) | +3.5% | -2.6% | +6.2 pts |
| ROA | 0.89% | 0.65% | +0.2 pts |
| ROE | 9.7% | 4.4% | +5.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.4M | $33.7M | $21.1M | $3.3M | $162K | 0.89% | 4.56% | 0.90% | 3,220 |
| Q1 2026 | $36.9M | $34.0M | $21.2M | $3.3M | $92K | 1.00% | 4.46% | 1.05% | 3,197 |
| Q4 2025 | $36.4M | $33.0M | $20.9M | $3.2M | $296K | 0.81% | 4.38% | 0.28% | 3,175 |
| Q3 2025 | $36.6M | $33.2M | $20.7M | $3.1M | $199K | 0.73% | 4.30% | 1.17% | 3,173 |
| Q2 2025 | $35.9M | $32.7M | $20.4M | $3.0M | $123K | 0.69% | 4.27% | 0.28% | 3,225 |
| Q1 2025 | $35.7M | $32.5M | $20.0M | $2.9M | $52K | 0.58% | 4.11% | 0.40% | 3,231 |
| Q4 2024 | $34.9M | $31.8M | $19.6M | $2.9M | $177K | 0.51% | 4.02% | 0.13% | 3,225 |
| Q3 2024 | $34.9M | $31.9M | $19.8M | $2.8M | $128K | 0.49% | 3.98% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,231 |
| Q2 2024 | $34.4M | $31.5M | $19.8M | $2.8M | $100K | 0.58% | 4.06% | 0.56% | 3,226 |
Loan mix (Q2 2026): real estate $6.3M · commercial $0 · consumer $12.5M · securities $11.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 80.6% | 63rd |
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: Brown, TX, ranked 6th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brown, TX | 1 | $33.7M* | 3.89% | 6th |
Texas: 665th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1