| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.5 pts |
| Share growth (YoY) | -7.9% | +0.9% | -8.9 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.2 pts |
| ROA | 0.37% | 0.65% | -0.3 pts |
| ROE | 2.2% | 4.4% | -2.2 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.6M | $10.5M | $3.0M | $2.1M | $23K | 0.37% | 3.27% | 0.00% | 1,120 |
| Q1 2026 | $13.6M | $11.5M | $3.0M | $2.1M | $952 | 0.03% | 3.00% | 0.00% | 1,133 |
| Q4 2025 | $13.0M | $10.8M | $3.1M | $2.1M | $67K | 0.52% | 3.22% | 0.00% | 1,144 |
| Q3 2025 | $13.2M | $11.1M | $3.0M | $2.1M | $58K | 0.58% | 3.18% | 0.00% | 1,150 |
| Q2 2025 | $13.5M | $11.4M | $2.9M | $2.1M | $36K | 0.53% | 3.08% | 0.30% | 1,167 |
| Q1 2025 | $13.9M | $11.8M | $3.1M | $2.0M | $21K | 0.59% | 2.88% | 0.33% | 1,174 |
| Q4 2024 | $13.6M | $11.5M | $3.1M | $2.0M | $70K | 0.52% | 2.93% | 0.35% | 1,181 |
| Q3 2024 | $13.7M | $11.8M | $2.8M | $2.0M | $50K | 0.48% | 2.87% | 0.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,195 |
| Q2 2024 | $14.1M | $12.1M | $3.0M | $2.0M | $25K | 0.36% | 2.79% | 0.29% | 1,214 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 80.6% | 60th |
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: Rapides, LA, ranked 22nd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rapides, LA | 1 | $10.5M* | 0.27% | 22nd |
Louisiana: 205th with 0.01% · Alexandria metro: 23rd, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1