| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.7% | +1.3% | -11.0 pts |
| Share growth (YoY) | -15.9% | +0.9% | -16.9 pts |
| Loan growth (YoY) | -1.5% | -2.6% | +1.1 pts |
| ROA | 1.19% | 0.65% | +0.5 pts |
| ROE | 3.6% | 4.4% | -0.8 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.9M | $5.0M | $5.4M | $2.6M | $47K | 1.19% | 6.35% | 5.55% | 870 |
| Q1 2026 | $7.8M | $5.2M | $5.4M | $2.6M | $30K | 1.54% | 6.44% | 2.26% | 866 |
| Q4 2025 | $7.9M | $5.2M | $5.5M | $2.5M | $123K | 1.57% | 6.78% | 0.19% | 857 |
| Q3 2025 | $8.5M | $5.7M | $5.6M | $2.5M | $103K | 1.61% | 6.32% | 1.12% | 858 |
| Q2 2025 | $8.7M | $6.0M | $5.5M | $2.5M | $71K | 1.64% | 6.14% | 1.90% | 860 |
| Q1 2025 | $8.7M | $6.1M | $5.5M | $2.5M | $42K | 1.95% | 6.34% | 0.89% | 880 |
| Q4 2024 | $8.7M | $6.1M | $5.5M | $2.4M | $167K | 1.93% | 6.31% | 1.91% | 866 |
| Q3 2024 | $8.8M | $6.3M | $5.5M | $2.4M | $130K | 1.98% | 6.22% | 0.96% | 856 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.2M | $6.8M | $5.5M | $2.3M | $75K | 1.63% | 5.81% | 0.48% | 851 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.7M · securities $752K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 80.6% | 61st |
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 158th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $5.0M* | 0.00% | 158th |
Texas: 845th with 0.00% · Houston-Pasadena-The Woodlands metro: 192nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1