| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.4% | +1.3% | -14.7 pts |
| Share growth (YoY) | -18.1% | +0.9% | -19.0 pts |
| Loan growth (YoY) | -12.8% | -2.6% | -10.1 pts |
| ROA | 0.94% | 0.65% | +0.3 pts |
| ROE | 3.8% | 4.4% | -0.5 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.5M | $3.4M | $4.0M | $1.1M | $21K | 0.94% | 4.41% | 2.04% | 680 |
| Q1 2026 | $4.8M | $3.7M | $4.2M | $1.0M | $9K | 0.77% | 4.50% | 3.16% | 681 |
| Q4 2025 | $5.1M | $4.0M | $4.3M | $1.0M | $5K | 0.09% | 3.38% | 6.55% | 684 |
| Q3 2025 | $5.2M | $4.1M | $4.2M | $1.1M | $9K | 0.24% | 3.31% | 4.15% | 682 |
| Q2 2025 | $5.2M | $4.1M | $4.5M | $1.1M | $8K | 0.29% | 3.29% | 2.35% | 683 |
| Q1 2025 | $5.4M | $4.3M | $4.7M | $1.1M | $8K | 0.62% | 3.23% | 1.99% | 681 |
| Q4 2024 | $5.3M | $4.3M | $4.8M | $1.0M | $-63K | -1.19% | 1.62% | 2.21% | 679 |
| Q3 2024 | $5.4M | $3.3M | $4.9M | $1.1M | $-49K | -1.21% | 1.22% | 0.95% | 679 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.65% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.5M |
| $3.5M |
| $4.8M |
| $1.1M |
| $-39K |
| -1.40% |
| 0.97% |
| 1.27% |
| 671 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.2M · securities $222K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 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 | 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: Calcasieu, LA, ranked 26th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calcasieu, LA | 1 | $3.4M* | 0.06% | 26th |
Louisiana: 232nd with 0.00% · Lake Charles metro: 29th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1