| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +5.9% | +0.9% | +5.0 pts |
| Loan growth (YoY) | -12.4% | -2.6% | -9.8 pts |
| ROA | 0.60% | 0.65% | -0.0 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.7M | $7.0M | $3.2M | $726K | $23K | 0.60% | 3.89% | 0.03% | 1,240 |
| Q1 2026 | $8.6M | $7.8M | $3.5M | $712K | $12K | 0.58% | 3.47% | 0.00% | 1,129 |
| Q4 2025 | $8.6M | $7.9M | $3.6M | $700K | $-28K | -0.32% | 2.97% | 0.19% | 1,134 |
| Q3 2025 | $7.4M | $6.7M | $3.7M | $689K | $-38K | -0.69% | 3.44% | 0.00% | 1,134 |
| Q2 2025 | $7.3M | $6.6M | $3.6M | $687K | $-40K | -1.10% | 3.55% | 0.00% | 1,145 |
| Q1 2025 | $7.3M | $6.6M | $3.6M | $731K | $3K | 0.18% | 3.53% | 1.63% | 1,146 |
| Q4 2024 | $8.0M | $7.3M | $3.8M | $728K | $-45K | -0.56% | 2.95% | 1.56% | 1,150 |
| Q3 2024 | $7.7M | $7.0M | $4.0M | $758K | $-27K | -0.47% | 3.00% | 1.49% | 1,156 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.1M | $6.7M | $4.2M | $777K | $-9K | -0.23% | 2.90% | 0.09% | 1,281 |
Loan mix (Q2 2026): real estate $24K · commercial $0 · consumer $2.9M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 80.6% | 62nd |
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: Jefferson, LA, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, LA | 1 | $7.0M* | 0.05% | 37th |
Louisiana: 214th with 0.00% · New Orleans-Metairie metro: 60th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1