| Metric | P.I.E. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.5% | +0.9% | +3.5 pts |
| Loan growth (YoY) | +5.4% | -2.6% | +8.0 pts |
| ROA | 1.62% | 0.65% | +1.0 pts |
| ROE | 6.8% | 4.4% | +2.4 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.8M | $8.9M | $7.1M | $2.8M | $96K | 1.62% | 4.75% | 0.71% | 1,174 |
| Q1 2026 | $11.4M | $8.6M | $6.2M | $2.8M | $47K | 1.64% | 4.96% | 0.71% | 1,140 |
| Q4 2025 | $10.9M | $8.1M | $6.5M | $2.7M | $233K | 2.14% | 5.11% | 0.67% | 1,138 |
| Q3 2025 | $11.3M | $8.4M | $6.7M | $2.7M | $185K | 2.19% | 5.00% | 0.61% | 1,138 |
| Q2 2025 | $11.3M | $8.6M | $6.8M | $2.6M | $120K | 2.12% | 4.94% | 0.09% | 1,117 |
| Q1 2025 | $11.7M | $9.0M | $6.4M | $2.6M | $57K | 1.95% | 4.74% | 0.10% | 1,120 |
| Q4 2024 | $11.5M | $8.9M | $6.6M | $2.5M | $186K | 1.62% | 4.23% | 0.10% | 1,124 |
| Q3 2024 | $11.1M | $8.7M | $6.1M | $2.5M | $133K | 1.60% | 4.21% | 0.65% | 1,108 |
| Ratio | P.I.E. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.2M | $8.6M | $6.0M | $2.4M | $87K | 1.56% | 4.02% | 0.16% | 1,103 |
Loan mix (Q2 2026): real estate $1.2M · commercial $0 · consumer $5.7M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 80.6% | 24th |
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 | P.I.E. Credit Union | 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 | P.I.E. Credit Union | 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 | P.I.E. Credit Union | 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 | P.I.E. Credit Union | 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 | P.I.E. Credit Union | 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: Harris, TX, ranked 151st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $8.9M* | 0.00% | 151st |
Texas: 806th with 0.00% · Houston-Pasadena-The Woodlands metro: 184th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1