| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +1.3% | +8.1 pts |
| Share growth (YoY) | +14.1% | +0.9% | +13.2 pts |
| Loan growth (YoY) | +3.1% | -2.6% | +5.8 pts |
| ROA | -0.04% | 0.65% | -0.7 pts |
| ROE | -0.1% | 4.4% | -4.5 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.4M | $3.9M | $1.6M | $1.5M | $-1K | -0.04% | 4.54% | 2.75% | 1,038 |
| Q1 2026 | $5.1M | $3.6M | $1.6M | $1.5M | $4K | 0.32% | 4.79% | 3.08% | 988 |
| Q4 2025 | $4.8M | $3.3M | $1.7M | $1.5M | $-100K | -2.08% | 5.39% | 4.18% | 1,006 |
| Q3 2025 | $4.7M | $3.1M | $1.8M | $1.5M | $-92K | -2.62% | 5.66% | 5.88% | 1,022 |
| Q2 2025 | $5.0M | $3.4M | $1.6M | $1.5M | $-106K | -4.26% | 5.41% | 3.99% | 1,060 |
| Q1 2025 | $5.3M | $3.7M | $1.5M | $1.6M | $-6K | -0.48% | 5.27% | 13.43% | 1,031 |
| Q4 2024 | $5.0M | $3.4M | $1.7M | $1.6M | $2K | 0.04% | 7.63% | 10.14% | 1,043 |
| Q3 2024 | $5.0M | $3.4M | $1.7M | $1.7M | $20K | 0.53% | 8.33% | 9.31% | 1,066 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.8M | $5.2M | $1.8M | $1.7M | $47K | 1.39% | 6.60% | 7.74% | 1,042 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.3% | 80.6% | 93rd |
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: Collin, TX, ranked 122nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Collin, TX | 1 | $3.9M* | 0.01% | 122nd |
Texas: 860th with 0.00% · Dallas-Fort Worth-Arlington metro: 278th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1