| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +8.5% | +0.9% | +7.6 pts |
| Loan growth (YoY) | +2.2% | -2.6% | +4.8 pts |
| ROA | 0.23% | 0.65% | -0.4 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.2M | $74.9M | $39.6M | $9.4M | $99K | 0.23% | 3.84% | 0.33% | 5,795 |
| Q1 2026 | $83.0M | $73.2M | $39.7M | $9.3M | $-2K | -0.01% | 3.79% | 0.08% | 5,826 |
| Q4 2025 | $81.1M | $71.2M | $39.8M | $9.3M | $296K | 0.36% | 3.97% | 0.27% | 5,788 |
| Q3 2025 | $79.8M | $69.8M | $39.2M | $9.3M | $227K | 0.38% | 4.02% | 0.34% | 5,749 |
| Q2 2025 | $79.0M | $69.0M | $38.8M | $9.2M | $197K | 0.50% | 3.97% | 0.31% | 5,732 |
| Q1 2025 | $77.6M | $67.9M | $38.4M | $9.2M | $37K | 0.19% | 3.88% | 0.39% | 5,779 |
| Q4 2024 | $75.9M | $65.4M | $39.0M | $9.1M | $1.3M | 1.75% | 3.73% | 0.23% | 5,760 |
| Q3 2024 | $74.5M | $64.9M | $38.9M | $9.1M | $1.2M | 2.12% | 3.73% | 0.66% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,756 |
| Q2 2024 | $75.4M | $66.0M | $39.3M | $8.9M | $1.1M | 2.80% | 3.58% | 0.88% | 5,708 |
Loan mix (Q2 2026): real estate $15.7M · commercial $2.6M · consumer $17.5M · securities $25.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 80.6% | 73rd |
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: Wichita, TX, ranked 11th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wichita, TX | 1 | $74.9M* | 1.46% | 11th |
Texas: 567th with 0.00% · Wichita Falls metro: 13th, 1.38% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1