| Metric | My Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +2.2% | +0.9% | +1.3 pts |
| Loan growth (YoY) | -0.3% | -2.6% | +2.3 pts |
| ROA | 0.76% | 0.65% | +0.1 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.2M | $50.4M | $29.3M | $7.4M | $222K | 0.76% | 4.40% | 1.02% | 6,397 |
| Q1 2026 | $58.9M | $51.1M | $29.3M | $7.3M | $31K | 0.21% | 5.94% | 0.35% | 6,441 |
| Q4 2025 | $55.2M | $47.7M | $29.0M | $6.6M | $516K | 0.93% | 4.74% | 0.36% | 5,404 |
| Q3 2025 | $56.1M | $49.1M | $29.7M | $6.5M | $401K | 0.95% | 4.60% | 0.50% | 5,421 |
| Q2 2025 | $56.3M | $49.3M | $29.3M | $6.5M | $379K | 1.35% | 4.58% | 1.74% | 5,764 |
| Q1 2025 | $56.1M | $49.0M | $28.9M | $6.3M | $194K | 1.38% | 4.54% | 0.94% | 5,551 |
| Q4 2024 | $54.3M | $47.2M | $28.4M | $6.1M | $786K | 1.45% | 4.94% | 0.83% | 5,592 |
| Q3 2024 | $54.4M | $47.6M | $28.1M | $5.9M | $571K | 1.40% | 4.97% | 0.55% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | My Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.65% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,591 |
| Q2 2024 | $54.9M | $48.4M | $27.8M | $5.7M | $336K | 1.23% | 4.84% | 0.66% | 5,686 |
Loan mix (Q2 2026): real estate $7.9M · commercial $0 · consumer $18.2M · securities $22.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 80.6% | 48th |
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 | My Credit Union | 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 | My Credit Union | 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 | My Credit Union | 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 | My Credit Union | 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 | My Credit Union | 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.
6 branches in 4 counties across 1 state (+1 vs 2025). Biggest market: Tarrant, TX, ranked 92nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 3 | $25.2M* | 0.03% | 92nd |
| Parker, TX | 1 | $8.4M* | 0.19% | 23rd |
| Wood, TX | 1 | $8.4M* | 0.70% | 10th |
| 1 more county with Pro → | ||||
Texas: 620th with 0.00% · Dallas-Fort Worth-Arlington metro: 212th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 6