| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +6.7% | +0.9% | +5.7 pts |
| Loan growth (YoY) | +0.4% | -2.6% | +3.0 pts |
| ROA | -0.43% | 0.65% | -1.1 pts |
| ROE | -1.5% | 4.4% | -5.8 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.3M | $8.0M | $7.5M | $3.3M | $-24K | -0.43% | 4.75% | 0.20% | 905 |
| Q1 2026 | $11.0M | $7.5M | $7.3M | $3.3M | $-32K | -1.15% | 4.81% | 0.10% | 967 |
| Q4 2025 | $11.0M | $7.6M | $7.1M | $3.3M | $22K | 0.20% | 5.12% | 0.81% | 962 |
| Q3 2025 | $10.7M | $7.2M | $7.2M | $3.4M | $10K | 0.12% | 5.46% | 1.22% | 951 |
| Q2 2025 | $10.9M | $7.5M | $7.5M | $3.4M | $-5K | -0.09% | 5.47% | 2.23% | 902 |
| Q1 2025 | $11.2M | $7.7M | $7.5M | $3.4M | $-23K | -0.83% | 5.35% | 2.08% | 945 |
| Q4 2024 | $11.4M | $7.9M | $7.5M | $3.4M | $25K | 0.22% | 4.65% | 1.31% | 938 |
| Q3 2024 | $11.4M | $7.8M | $7.1M | $3.4M | $34K | 0.40% | 4.55% | 0.69% | 914 |
| Ratio | Pba Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.43% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.2M | $7.7M | $7.5M | $3.4M | $13K | 0.24% | 4.74% | 1.02% | 917 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.0M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 80.6% | 31st |
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 | Pba Federal 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 | Pba Federal 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 | Pba Federal 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 | Pba Federal 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 | Pba Federal 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.
3 branches in 3 counties across 2 states (+2 vs 2025). Biggest market: Jefferson, AR, ranked 10th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AR | 1 | $2.7M* | 0.10% | 10th |
| McLennan, TX | 1 | $2.7M* | 0.03% | 43rd |
| Pulaski, AR | 1 | $2.7M* | 0.01% | 51st |
Arkansas: 157th with 0.00% · Texas: 877th with 0.00% · Waco metro: 48th, 0.03% · Little Rock-North Little Rock-Conway metro: 63rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3