| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.4 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +5.0 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.9M | $17.2M | $13.0M | $4.7M | $48K | 0.88% | 3.20% | 0.27% | 2,421 |
| Q4 2025 | $21.8M | $17.1M | $13.0M | $4.6M | $183K | 0.84% | 3.21% | 0.16% | 2,432 |
| Q3 2025 | $21.6M | $17.0M | $12.9M | $4.6M | $137K | 0.84% | 3.20% | 0.11% | 2,446 |
| Q2 2025 | $21.8M | $17.3M | $12.5M | $4.6M | $120K | 1.10% | 3.14% | 0.53% | 2,463 |
| Q1 2025 | $21.6M | $17.1M | $12.7M | $4.5M | $61K | 1.12% | 3.21% | 0.00% | 2,516 |
| Q4 2024 | $21.6M | $17.1M | $12.7M | $4.4M | $181K | 0.84% | 2.93% | 0.24% | 2,528 |
| Q3 2024 | $21.7M | $17.3M | $13.4M | $4.4M | $123K | 0.75% | 2.88% | 0.00% | 2,546 |
| Q2 2024 | $22.0M | $17.7M | $13.7M | $4.3M | $66K | 0.60% | 2.79% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,551 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $11.7M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 81.5% | 22nd |
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.
2 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Ochiltree, TX, ranked 5th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ochiltree, TX | 1 | $8.6M* | 1.01% | 5th |
| Salt Lake, UT | 1 | $8.6M* | 0.00% | 87th |
Texas: 785th with 0.00% · Utah: 119th with 0.00% · Salt Lake City-Murray metro: 87th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 2 · 2025 2