| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +1.3% | -6.7 pts |
| Share growth (YoY) | -7.4% | +0.9% | -8.3 pts |
| Loan growth (YoY) | -16.0% | -2.6% | -13.4 pts |
| ROA | 0.16% | 0.65% | -0.5 pts |
| ROE | 0.5% | 4.4% | -3.8 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.5M | $3.8M | $3.7M | $1.7M | $5K | 0.16% | 6.12% | 0.31% | 864 |
| Q1 2026 | $5.5M | $3.8M | $3.8M | $1.7M | $-845 | -0.06% | 6.16% | 0.00% | 884 |
| Q4 2025 | $5.5M | $3.8M | $4.1M | $1.7M | $21K | 0.38% | 6.49% | 0.31% | 900 |
| Q3 2025 | $5.7M | $4.0M | $4.3M | $1.7M | $30K | 0.71% | 6.28% | 0.51% | 928 |
| Q2 2025 | $5.8M | $4.1M | $4.4M | $1.7M | $35K | 1.21% | 6.18% | 0.54% | 1,020 |
| Q1 2025 | $5.9M | $4.2M | $4.5M | $1.7M | $16K | 1.12% | 6.05% | 0.35% | 1,022 |
| Q4 2024 | $5.8M | $4.2M | $4.5M | $1.7M | $5K | 0.09% | 6.33% | 0.78% | 1,035 |
| Q3 2024 | $6.1M | $4.4M | $4.6M | $1.6M | $-13K | -0.29% | 6.10% | 0.40% | 1,039 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.2M | $4.5M | $4.9M | $1.6M | $362 | 0.01% | 6.00% | 0.12% | 1,042 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 80.6% | 71st |
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: Calcasieu, LA, ranked 25th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calcasieu, LA | 1 | $3.8M* | 0.06% | 25th |
Louisiana: 228th with 0.00% · Lake Charles metro: 28th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1