| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +6.9% | +0.9% | +5.9 pts |
| Loan growth (YoY) | -6.8% | -2.6% | -4.2 pts |
| ROA | -0.63% | 0.65% | -1.3 pts |
| ROE | -5.2% | 4.4% | -9.6 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.2M | $17.7M | $12.9M | $2.5M | $-64K | -0.63% | 4.77% | 0.38% | 2,349 |
| Q1 2026 | $20.2M | $17.7M | $13.0M | $2.5M | $-50K | -1.00% | 4.66% | 1.59% | 2,355 |
| Q4 2025 | $20.1M | $17.5M | $13.1M | $2.5M | $-124K | -0.62% | 4.65% | 1.90% | 2,358 |
| Q3 2025 | $19.8M | $17.2M | $13.4M | $2.7M | $-16K | -0.11% | 4.75% | 2.18% | 2,372 |
| Q2 2025 | $19.5M | $16.6M | $13.8M | $2.7M | $-19K | -0.19% | 4.79% | 2.80% | 2,362 |
| Q1 2025 | $19.5M | $16.7M | $13.5M | $2.7M | $-5K | -0.11% | 4.76% | 1.11% | 2,024 |
| Q4 2024 | $19.5M | $16.7M | $13.7M | $2.7M | $-22K | -0.11% | 4.82% | 2.77% | 2,106 |
| Q3 2024 | $19.8M | $16.9M | $13.7M | $2.8M | $17K | 0.11% | 4.80% | 2.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.63% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -5.2% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,034 |
| Q2 2024 | $20.5M | $17.6M | $14.1M | $2.8M | $24K | 0.23% | 4.66% | 2.51% | 1,797 |
Loan mix (Q2 2026): real estate $3.0M · commercial $0 · consumer $9.5M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.1% | 80.6% | 88th |
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.
3 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: Jefferson, TX, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, TX | 2 | $11.8M* | 0.13% | 30th |
| Harris, TX | 1 | $5.9M* | 0.00% | 156th |
Texas: 741st with 0.00% · Beaumont-Port Arthur metro: 33rd, 0.10% · Houston-Pasadena-The Woodlands metro: 190th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3