| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.1% | -6.3 pts |
| Share growth (YoY) | -3.2% | +3.5% | -6.8 pts |
| Loan growth (YoY) | -3.6% | +2.9% | -6.5 pts |
| ROA | 0.54% | 0.74% | -0.2 pts |
| ROE | 6.1% | 6.5% | -0.4 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.8M | $106.5M | $92.2M | $10.6M | $322K | 0.54% | 3.73% | 0.81% | 7,598 |
| Q1 2026 | $122.1M | $110.3M | $93.9M | $10.5M | $254K | 0.83% | 3.63% | 0.65% | 7,817 |
| Q4 2025 | $118.4M | $107.2M | $92.3M | $10.3M | $-168K | -0.14% | 3.66% | 0.97% | 7,908 |
| Q3 2025 | $118.6M | $107.8M | $92.4M | $10.2M | $-199K | -0.22% | 3.64% | 0.56% | 7,962 |
| Q2 2025 | $121.5M | $110.0M | $95.7M | $10.2M | $-199K | -0.33% | 3.51% | 0.44% | 8,059 |
| Q1 2025 | $122.3M | $110.4M | $96.8M | $10.3M | $-73K | -0.24% | 3.43% | 0.59% | 8,314 |
| Q4 2024 | $122.3M | $110.3M | $99.5M | $10.4M | $-512K | -0.42% | 3.34% | 0.66% | 8,358 |
| Q3 2024 | $124.7M | $113.3M | $103.1M | $10.3M | $-590K | -0.63% | 3.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.74% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.5% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 8,412 |
| Q2 2024 | $126.9M | $114.9M | $106.7M | $10.6M | $-296K | -0.47% | 3.11% | 0.73% | 8,473 |
Loan mix (Q2 2026): real estate $3.7M · commercial $0 · consumer $40.1M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 77.5% | 38th |
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: Dallas, TX, ranked 114th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 1 | $53.2M* | 0.02% | 114th |
| Collin, TX | 1 | $53.2M* | 0.12% | 65th |
Texas: 515th with 0.01% · Dallas-Fort Worth-Arlington metro: 164th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2