| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +2.0% | +0.9% | +1.1 pts |
| Loan growth (YoY) | +5.5% | -2.6% | +8.1 pts |
| ROA | 0.28% | 0.65% | -0.4 pts |
| ROE | 2.4% | 4.4% | -2.0 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.4M | $53.4M | $29.8M | $7.1M | $84K | 0.28% | 3.91% | 2.59% | 5,087 |
| Q1 2026 | $59.8M | $52.7M | $28.3M | $6.9M | $-66K | -0.44% | 3.85% | 2.06% | 5,031 |
| Q4 2025 | $57.7M | $51.5M | $28.2M | $7.0M | $-107K | -0.19% | 4.22% | 2.53% | 5,049 |
| Q3 2025 | $60.1M | $53.0M | $28.4M | $7.2M | $58K | 0.13% | 4.08% | 2.62% | 5,070 |
| Q2 2025 | $59.7M | $52.4M | $28.2M | $7.3M | $161K | 0.54% | 2.51% | 2.86% | 5,054 |
| Q1 2025 | $60.8M | $53.6M | $27.2M | $7.2M | $73K | 0.48% | 4.05% | 2.40% | 5,062 |
| Q4 2024 | $35.8M | $31.9M | $22.5M | $4.0M | $292K | 0.81% | 4.81% | 3.28% | 3,622 |
| Q3 2024 | $36.1M | $32.0M | $21.5M | $4.1M | $243K | 0.90% | 4.79% | 1.99% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,582 |
| Q2 2024 | $35.7M | $31.8M | $20.7M | $4.0M | $132K | 0.74% | 4.78% | 2.14% | 3,520 |
Loan mix (Q2 2026): real estate $8.3M · commercial $19K · consumer $19.4M · securities $18.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 80.6% | 55th |
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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Bossier, LA, ranked 21st with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bossier, LA | 1 | $26.7M* | 0.71% | 21st |
| Caddo, LA | 1 | $26.7M* | 0.36% | 26th |
Louisiana: 156th with 0.03% · Shreveport-Bossier City metro: 26th, 0.44% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2