| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.3% | +1.3% | -17.6 pts |
| Share growth (YoY) | -18.2% | +0.9% | -19.2 pts |
| Loan growth (YoY) | -18.2% | -2.6% | -15.6 pts |
| ROA | 0.71% | 0.65% | +0.1 pts |
| ROE | 5.7% | 4.4% | +1.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.1M | $4.4M | $3.3M | $632K | $18K | 0.71% | 4.12% | 1.92% | 731 |
| Q1 2026 | $5.2M | $4.6M | $3.5M | $644K | $-2K | -0.19% | 4.38% | 0.29% | 813 |
| Q4 2025 | $5.4M | $4.7M | $3.7M | $646K | $-9K | -0.16% | 3.75% | 1.65% | 811 |
| Q3 2025 | $6.2M | $5.5M | $3.9M | $649K | $-6K | -0.13% | 3.26% | 0.08% | 812 |
| Q2 2025 | $6.1M | $5.4M | $4.0M | $645K | $-10K | -0.33% | 3.41% | 0.27% | 817 |
| Q1 2025 | $6.2M | $5.5M | $4.0M | $651K | $-4K | -0.25% | 3.38% | 2.99% | 825 |
| Q4 2024 | $6.2M | $5.5M | $4.0M | $655K | $-40K | -0.64% | 2.25% | 0.45% | 833 |
| Q3 2024 | $7.0M | $6.3M | $4.0M | $634K | $-60K | -1.14% | 1.70% | 0.21% | 829 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.2M | $6.5M | $3.6M | $647K | $-48K | -1.31% | 1.45% | 0.36% | 813 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $700K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 80.6% | 57th |
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: Moore, TX, ranked 7th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Moore, TX | 1 | $4.4M* | 1.01% | 7th |
Texas: 855th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1