| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.8 pts |
| Share growth (YoY) | +4.3% | +0.9% | +3.3 pts |
| Loan growth (YoY) | -9.6% | -2.6% | -7.0 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.4M | $4.6M | $4.2M | $760K | $24K | 0.88% | 3.99% | 1.63% | 584 |
| Q1 2026 | $5.4M | $4.6M | $4.2M | $758K | $22K | 1.60% | 3.97% | 1.37% | 586 |
| Q4 2025 | $5.3M | $4.5M | $4.4M | $736K | $53K | 1.01% | 4.30% | 2.83% | 587 |
| Q3 2025 | $5.2M | $4.4M | $4.6M | $743K | $61K | 1.55% | 4.38% | 1.58% | 585 |
| Q2 2025 | $5.2M | $4.4M | $4.6M | $739K | $56K | 2.18% | 4.34% | 0.32% | 583 |
| Q1 2025 | $5.2M | $4.5M | $4.4M | $718K | $35K | 2.71% | 4.24% | 0.06% | 590 |
| Q4 2024 | $5.1M | $4.4M | $4.4M | $683K | $79K | 1.53% | 4.51% | 1.06% | 586 |
| Q3 2024 | $5.1M | $4.4M | $4.2M | $672K | $68K | 1.78% | 4.21% | 0.98% | 592 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.1M | $4.4M | $4.3M | $657K | $53K | 2.09% | 4.25% | 0.22% | 578 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $400K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 80.6% | 29th |
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: Gray, TX, ranked 11th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gray, TX | 1 | $4.6M* | 0.69% | 11th |
Texas: 853rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1