| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +4.1% | +5.6 pts |
| Share growth (YoY) | +9.2% | +3.5% | +5.7 pts |
| Loan growth (YoY) | +8.1% | +2.9% | +5.2 pts |
| ROA | 1.73% | 0.74% | +1.0 pts |
| ROE | 10.5% | 6.5% | +4.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.3M | $135.7M | $69.7M | $26.7M | $1.4M | 1.73% | 3.43% | 0.50% | 12,091 |
| Q1 2026 | $152.1M | $126.8M | $67.6M | $25.9M | $644K | 1.69% | 3.60% | 0.36% | 12,072 |
| Q4 2025 | $147.7M | $122.3M | $69.7M | $25.3M | $2.8M | 1.89% | 3.67% | 0.43% | 12,078 |
| Q3 2025 | $148.4M | $123.3M | $65.8M | $24.5M | $2.0M | 1.82% | 3.61% | 0.48% | 12,025 |
| Q2 2025 | $148.0M | $124.3M | $64.5M | $23.8M | $1.3M | 1.79% | 3.52% | 0.55% | 11,980 |
| Q1 2025 | $139.5M | $116.7M | $60.0M | $23.1M | $606K | 1.74% | 3.58% | 0.32% | 11,783 |
| Q4 2024 | $133.6M | $110.9M | $61.8M | $22.5M | $2.3M | 1.74% | 3.65% | 0.57% | 11,758 |
| Q3 2024 | $133.9M | $112.4M | $60.9M | $21.9M | $1.7M | 1.70% | 3.59% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.74% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 6.5% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 11,762 |
| Q2 2024 | $133.7M | $116.3M | $60.8M | $21.2M | $1.0M | 1.54% | 3.53% | 0.70% | 11,746 |
Loan mix (Q2 2026): real estate $2.7M · commercial $0 · consumer $63.4M · securities $57.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 77.5% | 12th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Hidalgo, TX, ranked 18th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hidalgo, TX | 2 | $90.5M* | 0.49% | 18th |
| Cameron, TX | 1 | $45.2M* | 0.57% | 23rd |
Texas: 473rd with 0.01% · McAllen-Edinburg-Mission metro: 18th, 0.49% · Brownsville-Harlingen metro: 23rd, 0.57% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3