| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -0.4% | +0.9% | -1.3 pts |
| Loan growth (YoY) | -22.3% | -2.6% | -19.7 pts |
| ROA | -0.66% | 0.65% | -1.3 pts |
| ROE | -4.9% | 4.4% | -9.3 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.0M | $24.9M | $20.2M | $3.9M | $-95K | -0.66% | 3.39% | 0.65% | 2,372 |
| Q1 2026 | $30.2M | $26.1M | $20.8M | $3.9M | $-68K | -0.90% | 3.24% | 0.76% | 2,562 |
| Q4 2025 | $29.6M | $25.7M | $22.5M | $4.0M | $-12K | -0.04% | 3.55% | 1.15% | 2,595 |
| Q3 2025 | $28.9M | $24.9M | $24.6M | $4.0M | $-6K | -0.03% | 3.69% | 0.49% | 2,601 |
| Q2 2025 | $29.1M | $25.0M | $26.1M | $4.0M | $17K | 0.12% | 3.63% | 0.48% | 2,641 |
| Q1 2025 | $29.9M | $25.9M | $26.3M | $4.0M | $-7K | -0.10% | 3.33% | 0.26% | 2,819 |
| Q4 2024 | $29.3M | $25.3M | $24.3M | $4.0M | $51K | 0.17% | 3.36% | 0.50% | 2,606 |
| Q3 2024 | $29.7M | $25.6M | $24.2M | $4.0M | $76K | 0.34% | 3.30% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.66% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -4.9% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,838 |
| Q2 2024 | $29.3M | $25.2M | $22.4M | $4.0M | $59K | 0.41% | 3.28% | 0.03% | 2,804 |
Loan mix (Q2 2026): real estate $792K · commercial $0 · consumer $18.5M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 80.6% | 79th |
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 1 county across 1 state (+0 vs 2025). Biggest market: San Patricio, TX, ranked 13th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Patricio, TX | 2 | $24.9M* | 1.29% | 13th |
Texas: 699th with 0.00% · Corpus Christi metro: 26th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2