| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.1% | +3.3 pts |
| Share growth (YoY) | +7.4% | +3.5% | +3.8 pts |
| Loan growth (YoY) | +4.0% | +2.9% | +1.2 pts |
| ROA | 0.83% | 0.74% | +0.1 pts |
| ROE | 7.0% | 6.5% | +0.6 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $363.1M | $318.7M | $216.7M | $42.7M | $1.5M | 0.83% | 2.41% | 0.32% | 12,027 |
| Q1 2026 | $351.1M | $308.0M | $209.7M | $42.1M | $852K | 0.97% | 2.40% | 0.51% | 11,951 |
| Q4 2025 | $335.6M | $293.4M | $208.9M | $41.2M | $3.5M | 1.05% | 2.45% | 0.42% | 11,820 |
| Q3 2025 | $346.8M | $304.7M | $209.9M | $40.6M | $2.9M | 1.10% | 2.31% | 0.71% | 11,754 |
| Q2 2025 | $338.0M | $296.8M | $208.3M | $39.5M | $1.8M | 1.04% | 2.23% | 0.56% | 11,621 |
| Q1 2025 | $324.1M | $283.5M | $211.3M | $38.6M | $917K | 1.13% | 2.25% | 0.48% | 11,524 |
| Q4 2024 | $309.7M | $269.7M | $208.7M | $37.7M | $3.8M | 1.24% | 2.05% | 0.34% | 11,400 |
| Q3 2024 | $322.2M | $283.9M | $209.9M | $36.4M | $2.6M | 1.06% | 1.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.74% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 6.5% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 11,242 |
| Q2 2024 | $285.7M | $248.4M | $215.7M | $35.3M | $1.4M | 0.97% | 2.04% | 0.29% | 11,098 |
Loan mix (Q2 2026): real estate $91.0M · commercial $39.7M · consumer $76.2M · securities $54.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 77.5% | 49th |
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.
4 branches in 3 counties across 1 state (+1 vs 2025). Biggest market: Fort Bend, TX, ranked 29th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fort Bend, TX | 2 | $159.4M* | 0.61% | 29th |
| Harris, TX | 1 | $79.7M* | 0.02% | 104th |
| Williamson, TX | 1 | $79.7M* | 0.43% | 36th |
Texas: 316th with 0.02% · Houston-Pasadena-The Woodlands metro: 91st, 0.06% · Austin-Round Rock-San Marcos metro: 71st, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4