| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.4 pts |
| Share growth (YoY) | -7.5% | +0.9% | -8.5 pts |
| Loan growth (YoY) | -10.5% | -2.6% | -7.9 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 1.8% | 4.4% | -2.6 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.8M | $4.0M | $3.0M | $800K | $7K | 0.29% | 4.24% | 0.00% | 866 |
| Q1 2026 | $4.9M | $4.1M | $3.0M | $795K | $2K | 0.16% | 4.05% | 0.00% | 860 |
| Q4 2025 | $4.9M | $4.1M | $3.0M | $793K | $15K | 0.30% | 4.21% | 0.00% | 869 |
| Q3 2025 | $5.1M | $4.3M | $3.1M | $793K | $14K | 0.36% | 4.12% | 0.00% | 881 |
| Q2 2025 | $5.1M | $4.3M | $3.3M | $792K | $13K | 0.52% | 4.04% | 0.37% | 881 |
| Q1 2025 | $5.1M | $4.3M | $3.2M | $790K | $11K | 0.84% | 4.16% | 0.40% | 920 |
| Q4 2024 | $5.1M | $4.3M | $3.3M | $779K | $31K | 0.61% | 4.11% | 0.26% | 911 |
| Q3 2024 | $5.2M | $4.4M | $3.4M | $781K | $33K | 0.85% | 4.00% | 0.17% | 911 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.2M |
| $4.4M |
| $3.1M |
| $764K |
| $16K |
| 0.60% |
| 3.89% |
| 0.02% |
| 909 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.4% | 80.6% | 78th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: St. Mary, LA, ranked 8th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Mary, LA | 2 | $4.0M* | 0.28% | 8th |
Louisiana: 227th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2