| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.3 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.3 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.5M | $20.2M | $18.8M | $2.2M | $14K | 0.25% | 3.57% | 0.60% | 2,429 |
| Q4 2025 | $22.1M | $18.7M | $19.2M | $2.1M | $138K | 0.63% | 3.91% | 0.65% | 2,409 |
| Q3 2025 | $20.9M | $18.7M | $18.5M | $2.1M | $97K | 0.62% | 4.12% | 0.55% | 2,374 |
| Q2 2025 | $21.7M | $19.1M | $19.3M | $2.1M | $72K | 0.66% | 3.94% | 0.85% | 2,385 |
| Q1 2025 | $21.6M | $19.1M | $18.9M | $2.1M | $43K | 0.80% | 3.90% | 0.98% | 2,364 |
| Q4 2024 | $21.7M | $18.5M | $18.6M | $2.0M | $136K | 0.62% | 3.82% | 0.59% | 2,351 |
| Q3 2024 | $21.3M | $19.0M | $18.0M | $2.0M | $96K | 0.60% | 3.89% | 0.54% | 2,323 |
| Q2 2024 | $21.0M | $18.7M | $18.1M | $2.0M | $60K | 0.57% | 3.91% | 0.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,337 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $16.0M · securities $258K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 81.5% | 68th |
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 2024). Biggest market: Anderson, TX, ranked 9th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anderson, TX | 1 | $19.1M* | 2.19% | 9th |
Texas: 717th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1