| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +1.3% | -7.6 pts |
| Share growth (YoY) | -7.8% | +0.9% | -8.8 pts |
| Loan growth (YoY) | +14.7% | -2.6% | +17.3 pts |
| ROA | 0.03% | 0.65% | -0.6 pts |
| ROE | 0.1% | 4.4% | -4.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $428K | $340K | $195K | $87K | $62 | 0.03% | 4.56% | 1.90% | 185 |
| Q1 2026 | $435K | $347K | $204K | $87K | $36 | 0.03% | 4.85% | 14.66% | 186 |
| Q4 2025 | $433K | $343K | $215K | $87K | $264 | 0.06% | 4.54% | 1.73% | 212 |
| Q3 2025 | $439K | $350K | $228K | $87K | $250 | 0.08% | 4.34% | 0.00% | 221 |
| Q2 2025 | $457K | $369K | $170K | $87K | $242 | 0.11% | 4.21% | 0.00% | 204 |
| Q1 2025 | $453K | $366K | $208K | $87K | $124 | 0.11% | 4.35% | 0.76% | 208 |
| Q4 2024 | $447K | $358K | $224K | $87K | $1K | 0.23% | 4.47% | 0.00% | 206 |
| Q3 2024 | $451K | $362K | $204K | $87K | $943 | 0.28% | 4.46% | 0.00% | 206 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $452K |
| $364K |
| $230K |
| $86K |
| $763 |
| 0.34% |
| 4.54% |
| 0.00% |
| 206 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $177K · securities $194K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.4% | 80.6% | 86th |
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: Lamar, TX, ranked 13th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lamar, TX | 1 | $340K* | 0.02% | 13th |
Texas: 911th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1