| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.1% | +1.3% | -16.4 pts |
| Share growth (YoY) | -18.5% | +0.7% | -19.2 pts |
| Loan growth (YoY) | -11.5% | -2.4% | -9.2 pts |
| ROA | -0.00% | 0.60% | -0.6 pts |
| ROE | -0.0% | 4.1% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $599K | $485K | $366K | $113K | $-5 | -0.00% | 3.80% | 2.34% | 186 |
| Q4 2025 | $594K | $481K | $386K | $113K | $6K | 0.99% | 4.60% | 0.51% | 187 |
| Q3 2025 | $664K | $552K | $379K | $112K | $5K | 0.98% | 4.27% | 0.00% | 176 |
| Q2 2025 | $678K | $567K | $397K | $110K | $3K | 1.03% | 4.20% | 0.44% | 175 |
| Q1 2025 | $705K | $595K | $413K | $109K | $2K | 1.16% | 4.15% | 0.00% | 173 |
| Q4 2024 | $696K | $588K | $421K | $107K | $5K | 0.68% | 3.94% | 0.51% | 171 |
| Q3 2024 | $692K | $586K | $437K | $105K | $3K | 0.65% | 3.91% | 0.65% | 169 |
| Q2 2024 | $689K | $583K | $376K | $104K | $2K | 0.69% | 3.93% | 0.00% | 169 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $115K · securities $50K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.00% | 0.60% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | -0.0% | 4.1% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.1% | 81.5% | 85th |
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: Tarrant, TX, ranked 101st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $567K* | 0.00% | 101st |
Texas: 879th with 0.00% · Dallas-Fort Worth-Arlington metro: 255th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1