| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.3 pts |
| Share growth (YoY) | +7.0% | +0.9% | +6.0 pts |
| Loan growth (YoY) | -13.1% | -2.6% | -10.4 pts |
| ROA | -0.41% | 0.65% | -1.1 pts |
| ROE | -3.4% | 4.4% | -7.8 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 | $1.0M | $881K | $531K | $122K | $-2K | -0.41% | 4.69% | 2.72% | 214 |
| Q1 2026 | $1.0M | $882K | $556K | $124K | $-649 | -0.26% | 4.75% | 11.57% | 213 |
| Q4 2025 | $905K | $777K | $593K | $124K | $-4K | -0.49% | 5.67% | 9.64% | 209 |
| Q3 2025 | $939K | $802K | $617K | $127K | $-2K | -0.24% | 5.53% | 8.34% | 212 |
| Q2 2025 | $957K | $824K | $611K | $127K | $-2K | -0.43% | 5.23% | 1.95% | 210 |
| Q1 2025 | $980K | $848K | $625K | $127K | $-2K | -0.81% | 5.19% | 3.35% | 212 |
| Q4 2024 | $986K | $852K | $668K | $129K | $8K | 0.82% | 5.71% | 1.99% | 221 |
| Q3 2024 | $1.0M | $915K | $704K | $126K | $5K | 0.65% | 5.31% | 0.21% | 222 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.41% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -3.4% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.1M | $945K | $689K | $124K | $4K | 0.70% | 5.01% | 0.80% | 221 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $510K · securities $438
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.4% | 80.6% | 91st |
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: Harris, TX, ranked 170th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $881K* | 0.00% | 170th |
Texas: 903rd with 0.00% · Houston-Pasadena-The Woodlands metro: 205th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1