| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +6.3% | +0.9% | +5.4 pts |
| Loan growth (YoY) | +14.4% | -2.6% | +17.1 pts |
| ROA | 0.65% | 0.65% | +0.0 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.0M | $17.5M | $10.6M | $3.4M | $68K | 0.65% | 4.11% | 0.00% | 1,374 |
| Q1 2026 | $21.1M | $17.6M | $10.4M | $3.3M | $25K | 0.47% | 4.01% | 0.00% | 1,381 |
| Q4 2025 | $20.2M | $16.8M | $10.4M | $3.3M | $187K | 0.93% | 4.17% | 0.00% | 1,356 |
| Q3 2025 | $20.0M | $16.6M | $9.9M | $3.3M | $146K | 0.97% | 4.16% | 0.00% | 1,367 |
| Q2 2025 | $20.1M | $16.5M | $9.3M | $3.2M | $99K | 0.99% | 4.09% | 0.00% | 1,355 |
| Q1 2025 | $20.4M | $17.1M | $9.3M | $3.2M | $53K | 1.03% | 4.04% | 0.35% | 1,368 |
| Q4 2024 | $19.7M | $16.4M | $9.4M | $3.1M | $208K | 1.05% | 3.95% | 0.47% | 1,355 |
| Q3 2024 | $20.0M | $16.8M | $9.7M | $3.1M | $162K | 1.08% | 3.83% | 0.48% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,351 |
| Q2 2024 | $19.8M | $16.5M | $9.9M | $3.1M | $108K | 1.09% | 3.80% | 0.00% | 1,309 |
Loan mix (Q2 2026): real estate $871K · commercial $0 · consumer $9.1M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 80.6% | 67th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Ector, TX, ranked 25th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ector, TX | 3 | $17.5M* | 0.37% | 25th |
Texas: 743rd with 0.00% · Odessa metro: 25th, 0.37% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3