| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | -0.3% | +0.9% | -1.3 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.4 pts |
| ROA | 2.06% | 0.65% | +1.4 pts |
| ROE | 10.1% | 4.4% | +5.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.6M | $32.5M | $15.2M | $8.5M | $429K | 2.06% | 4.64% | 0.24% | 6,969 |
| Q1 2026 | $42.0M | $33.4M | $15.1M | $8.3M | $198K | 1.88% | 4.48% | 0.17% | 3,017 |
| Q4 2025 | $40.2M | $31.5M | $16.0M | $8.1M | $779K | 1.94% | 5.10% | 0.16% | 3,015 |
| Q3 2025 | $40.3M | $32.0M | $15.7M | $8.1M | $653K | 2.16% | 5.09% | 0.08% | 3,002 |
| Q2 2025 | $41.1M | $32.6M | $15.8M | $8.2M | $384K | 1.87% | 4.89% | 0.39% | 2,997 |
| Q1 2025 | $42.7M | $34.1M | $15.4M | $8.0M | $196K | 1.83% | 4.61% | 0.22% | 3,086 |
| Q4 2024 | $39.6M | $31.7M | $15.8M | $7.8M | $948K | 2.39% | 5.45% | 0.18% | 3,075 |
| Q3 2024 | $40.4M | $32.5M | $15.6M | $7.7M | $766K | 2.53% | 5.40% | 0.27% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,058 |
| Q2 2024 | $41.4M | $34.0M | $15.7M | $7.4M | $539K | 2.61% | 5.26% | 0.33% | 3,048 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $13.9M · securities $18.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 80.6% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Brazoria, TX, ranked 37th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brazoria, TX | 1 | $32.5M* | 0.34% | 37th |
Texas: 670th with 0.00% · Houston-Pasadena-The Woodlands metro: 153rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1