| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | +0.2% | +0.9% | -0.8 pts |
| Loan growth (YoY) | -6.2% | -2.6% | -3.6 pts |
| ROA | -0.81% | 0.65% | -1.5 pts |
| ROE | -4.8% | 4.4% | -9.2 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.7M | $8.8M | $6.0M | $1.8M | $-43K | -0.81% | 3.28% | 2.84% | 1,338 |
| Q1 2026 | $10.6M | $8.8M | $6.3M | $1.8M | $-78K | -2.96% | 3.30% | 3.76% | 1,311 |
| Q4 2025 | $10.5M | $8.7M | $6.5M | $1.9M | $89K | 0.85% | 3.79% | 4.75% | 1,311 |
| Q3 2025 | $11.1M | $9.1M | $6.7M | $1.9M | $79K | 0.96% | 3.68% | 1.96% | 1,311 |
| Q2 2025 | $10.9M | $8.8M | $6.4M | $1.8M | $69K | 1.26% | 3.78% | 5.34% | 1,296 |
| Q1 2025 | $10.5M | $8.6M | $5.9M | $1.8M | $37K | 1.41% | 3.97% | 4.32% | 1,296 |
| Q4 2024 | $10.4M | $8.6M | $6.1M | $1.8M | $184K | 1.76% | 3.71% | 4.47% | 1,285 |
| Q3 2024 | $10.3M | $8.5M | $6.3M | $1.8M | $180K | 2.32% | 4.03% | 2.60% | 1,289 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.81% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -4.8% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.3M | $8.5M | $6.5M | $1.7M | $35K | 0.68% | 4.00% | 1.73% | 1,270 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.6M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 80.6% | 26th |
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: Tarrant, TX, ranked 105th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $8.8M* | 0.01% | 105th |
Texas: 807th with 0.00% · Dallas-Fort Worth-Arlington metro: 266th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1