| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +1.3% | -9.8 pts |
| Share growth (YoY) | -10.9% | +0.7% | -11.6 pts |
| Loan growth (YoY) | -23.8% | -2.4% | -21.5 pts |
| ROA | -0.16% | 0.60% | -0.8 pts |
| ROE | -1.0% | 4.1% | -5.1 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $7.7M | $4.6M | $1.5M | $-4K | -0.16% | 4.79% | 1.12% | 2,314 |
| Q4 2025 | $9.4M | $7.9M | $4.9M | $1.5M | $74K | 0.78% | 5.31% | 0.71% | 2,342 |
| Q3 2025 | $9.7M | $8.1M | $5.4M | $1.5M | $63K | 0.87% | 5.25% | 0.47% | 2,597 |
| Q2 2025 | $10.2M | $8.7M | $5.6M | $1.5M | $49K | 0.96% | 5.03% | 0.08% | 2,500 |
| Q1 2025 | $10.2M | $8.7M | $6.1M | $1.5M | $18K | 0.70% | 5.10% | 0.68% | 2,561 |
| Q4 2024 | $10.7M | $9.1M | $6.5M | $1.5M | $-119K | -1.11% | 4.58% | 0.42% | 2,654 |
| Q3 2024 | $10.7M | $9.2M | $6.7M | $1.5M | $-245K | -3.05% | 4.49% | 0.93% | 2,657 |
| Q2 2024 | $10.7M | $9.2M | $6.8M | $1.6M | $-124K | -2.32% | 5.81% | 0.48% | 2,745 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.0% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.6M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.4% | 81.5% | 84th |
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: Dallas, TX, ranked 140th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 1 | $8.7M* | 0.00% | 140th |
Texas: 784th with 0.00% · Dallas-Fort Worth-Arlington metro: 237th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1