| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.4% | +1.3% | -14.8 pts |
| Share growth (YoY) | -18.0% | +0.7% | -18.7 pts |
| Loan growth (YoY) | -20.3% | -2.4% | -17.9 pts |
| ROA | -1.65% | 0.60% | -2.3 pts |
| ROE | -7.2% | 4.1% | -11.3 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.3M | $4.0M | $1.8M | $1.2M | $-22K | -1.65% | 4.43% | 1.85% | 695 |
| Q4 2025 | $5.7M | $4.4M | $1.8M | $1.2M | $-25K | -0.44% | 4.73% | 0.67% | 715 |
| Q3 2025 | $6.0M | $4.6M | $1.9M | $1.2M | $-26K | -0.57% | 4.61% | 1.72% | 737 |
| Q2 2025 | $5.8M | $4.6M | $2.1M | $1.2M | $-65K | -2.23% | 4.69% | 4.10% | 751 |
| Q1 2025 | $6.1M | $4.9M | $2.2M | $1.2M | $-46K | -3.03% | 4.52% | 3.80% | 775 |
| Q4 2024 | $6.2M | $5.0M | $2.5M | $1.3M | $-49K | -0.78% | 5.08% | 1.04% | 776 |
| Q3 2024 | $6.4M | $5.1M | $2.6M | $1.2M | $-52K | -1.08% | 4.84% | 1.65% | 790 |
| Q2 2024 | $6.9M | $5.6M | $3.0M | $1.3M | $-26K | -0.75% | 4.28% | 1.94% | 798 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.65% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 123.4% | 81.5% | 95th |
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 97th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $4.6M* | 0.01% | 97th |
Texas: 824th with 0.00% · Dallas-Fort Worth-Arlington metro: 243rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1