| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +16.8% | +0.9% | +15.8 pts |
| Loan growth (YoY) | -50.1% | -2.6% | -47.5 pts |
| ROA | -0.86% | 0.65% | -1.5 pts |
| ROE | -2.0% | 4.4% | -6.4 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 | $642K | $363K | $44K | $275K | $-3K | -0.86% | 2.83% | 8.90% | 147 |
| Q1 2026 | $635K | $355K | $54K | $276K | $-2K | -1.04% | 2.56% | 8.63% | 154 |
| Q4 2025 | $617K | $336K | $64K | $276K | $478 | 0.08% | 4.14% | 6.78% | 154 |
| Q3 2025 | $611K | $327K | $77K | $277K | $1K | 0.32% | 4.49% | 3.16% | 150 |
| Q2 2025 | $596K | $311K | $88K | $279K | $3K | 0.99% | 4.88% | 2.76% | 148 |
| Q1 2025 | $585K | $301K | $112K | $278K | $2K | 1.32% | 5.32% | 2.57% | 152 |
| Q4 2024 | $586K | $304K | $123K | $276K | $6K | 1.01% | 5.46% | 5.78% | 144 |
| Q3 2024 | $601K | $320K | $123K | $276K | $6K | 1.38% | 5.26% | 5.79% | 154 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.86% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $593K |
| $314K |
| $136K |
| $274K |
| $4K |
| 1.45% |
| 5.40% |
| 4.94% |
| 151 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $44K · securities $409K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 130.3% | 80.6% | 97th |
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: Washington, LA, ranked 10th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, LA | 1 | $363K* | 0.05% | 10th |
Louisiana: 259th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1