| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +1.3% | -10.1 pts |
| Share growth (YoY) | -9.8% | +0.9% | -10.8 pts |
| Loan growth (YoY) | -15.4% | -2.6% | -12.8 pts |
| ROA | -2.46% | 0.65% | -3.1 pts |
| ROE | -10.0% | 4.4% | -14.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $379K | $282K | $220K | $93K | $-5K | -2.46% | 6.54% | 0.00% | 135 |
| Q1 2026 | $378K | $281K | $232K | $94K | $-3K | -3.41% | 6.98% | 0.00% | 140 |
| Q4 2025 | $384K | $283K | $252K | $98K | $-2K | -0.58% | 7.72% | 1.04% | 141 |
| Q3 2025 | $410K | $309K | $259K | $98K | $-2K | -0.73% | 6.95% | 0.15% | 141 |
| Q2 2025 | $415K | $313K | $260K | $99K | $-844 | -0.41% | 7.10% | 0.00% | 146 |
| Q1 2025 | $441K | $341K | $276K | $98K | $-2K | -1.80% | 6.19% | 0.00% | 149 |
| Q4 2024 | $482K | $379K | $308K | $100K | $434 | 0.09% | 6.99% | 0.00% | 149 |
| Q3 2024 | $483K | $379K | $328K | $99K | $-371 | -0.10% | 6.82% | 0.00% | 142 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.46% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -10.0% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.54% | 3.88% |
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| Q2 2024 | $501K | $399K | $291K | $99K | $-395 | -0.16% | 6.64% | 0.00% | 142 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $220K · securities $109K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 132.9% | 80.6% | 97th |
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 2025). Biggest market: Jefferson, LA, ranked 42nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, LA | 1 | $282K* | 0.00% | 42nd |
Louisiana: 261st with 0.00% · New Orleans-Metairie metro: 74th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1