| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.8% | +5.0 pts |
| Share growth (YoY) | +9.9% | +4.3% | +5.6 pts |
| Loan growth (YoY) | +9.4% | +4.3% | +5.1 pts |
| ROA | 0.25% | 0.62% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $559.3M | $496.0M | $446.6M | $56.7M | $345K | 0.25% | 5.03% | 1.27% | 43,979 |
| Q4 2025 | $536.4M | $474.2M | $428.7M | $56.4M | $3.9M | 0.73% | 5.12% | 1.57% | 43,097 |
| Q3 2025 | $538.1M | $476.5M | $429.9M | $56.9M | $3.3M | 0.82% | 5.10% | 1.34% | 42,472 |
| Q2 2025 | $537.5M | $478.0M | $437.4M | $55.5M | $2.0M | 0.73% | 5.02% | 1.06% | 41,880 |
| Q1 2025 | $509.4M | $451.1M | $408.1M | $54.3M | $720K | 0.56% | 5.05% | 0.94% | 43,061 |
| Q4 2024 | $500.0M | $443.2M | $414.4M | $53.5M | $2.2M | 0.44% | 4.81% | 1.10% | 42,298 |
| Q3 2024 | $506.3M | $448.4M | $399.2M | $54.0M | $1.5M | 0.40% | 4.59% | 0.87% | 41,807 |
| Q2 2024 | $492.3M | $435.9M | $403.4M | $53.2M | $764K | 0.31% | 4.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.62% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.03% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 41,253 |
Loan mix (Q1 2026): real estate $124.9M · commercial $0 · consumer $298.5M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 78.3% | 64th |
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.
7 branches in 3 counties across 1 state (+1 vs 2024). Biggest market: Midland, TX, ranked 8th with 2.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Midland, TX | 4 | $273.1M* | 2.67% | 8th |
| Collin, TX | 2 | $136.6M* | 0.31% | 41st |
| Ector, TX | 1 | $68.3M* | 1.48% | 14th |
Texas: 239th with 0.03% · Midland metro: 9th, 2.56% · Dallas-Fort Worth-Arlington metro: 141st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 7