| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -2.8% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -12.6% | -2.4% | -10.3 pts |
| ROA | -0.66% | 0.60% | -1.3 pts |
| ROE | -9.5% | 4.1% | -13.6 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.0M | $4.7M | $3.2M | $347K | $-8K | -0.66% | 4.64% | 0.00% | 832 |
| Q4 2025 | $4.9M | $4.5M | $3.4M | $355K | $-90K | -1.83% | 5.19% | 0.00% | 849 |
| Q3 2025 | $5.0M | $4.6M | $3.5M | $403K | $-42K | -1.11% | 5.11% | 1.15% | 861 |
| Q2 2025 | $5.2M | $4.8M | $3.4M | $422K | $-23K | -0.87% | 4.89% | 2.42% | 864 |
| Q1 2025 | $5.3M | $4.8M | $3.7M | $434K | $-11K | -0.81% | 4.85% | 2.45% | 873 |
| Q4 2024 | $5.2M | $4.7M | $3.8M | $445K | $57K | 1.10% | 5.10% | 1.85% | 968 |
| Q3 2024 | $5.5M | $5.0M | $4.0M | $436K | $-15K | -0.36% | 4.50% | 0.81% | 898 |
| Q2 2024 | $5.5M | $5.0M | $4.2M | $440K | $-10K | -0.38% | 4.32% | 0.31% | 1,049 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.66% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -9.5% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $2K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.3% | 81.5% | 92nd |
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 2024). Biggest market: Lafayette, LA, ranked 41st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lafayette, LA | 1 | $4.8M* | 0.05% | 41st |
Louisiana: 226th with 0.00% · Lafayette metro: 53rd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1