| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.6% | +1.3% | +20.3 pts |
| Share growth (YoY) | +35.3% | +0.7% | +34.7 pts |
| Loan growth (YoY) | +15.7% | -2.4% | +18.1 pts |
| ROA | -0.32% | 0.60% | -0.9 pts |
| ROE | -0.9% | 4.1% | -5.0 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.2M | $6.1M | $5.4M | $3.2M | $-7K | -0.32% | 3.31% | 0.75% | 651 |
| Q4 2025 | $8.0M | $4.8M | $5.1M | $3.2M | $46K | 0.58% | 4.64% | 4.49% | 643 |
| Q3 2025 | $7.6M | $4.5M | $5.1M | $2.9M | $49K | 0.87% | 5.00% | 3.95% | 634 |
| Q2 2025 | $7.8M | $4.5M | $4.7M | $3.1M | $32K | 0.83% | 4.84% | 1.98% | 640 |
| Q1 2025 | $7.6M | $4.5M | $4.7M | $3.1M | $12K | 0.61% | 5.03% | 1.48% | 638 |
| Q4 2024 | $7.5M | $4.5M | $4.8M | $3.1M | $71K | 0.95% | 5.19% | 0.58% | 635 |
| Q3 2024 | $7.6M | $4.5M | $4.9M | $3.1M | $55K | 0.97% | 5.11% | 0.56% | 633 |
| Q2 2024 | $7.8M | $4.7M | $4.7M | $3.0M | $36K | 0.93% | 4.90% | 0.03% | 630 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.32% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.9M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.2% | 81.5% | 89th |
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 2024). Biggest market: Harris, TX, ranked 151st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $4.5M* | 0.00% | 151st |
Texas: 825th with 0.00% · Houston-Pasadena-The Woodlands metro: 184th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1