| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +7.6% | +0.7% | +6.9 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.4 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.2M | $11.9M | $5.1M | $2.3M | $27K | 0.74% | 3.24% | 0.16% | 1,123 |
| Q4 2025 | $14.0M | $11.6M | $5.1M | $2.3M | $30K | 0.22% | 2.81% | 0.07% | 1,127 |
| Q3 2025 | $13.4M | $11.0M | $5.3M | $2.3M | $19K | 0.19% | 3.11% | 0.00% | 1,138 |
| Q2 2025 | $13.0M | $10.7M | $5.2M | $2.3M | $12K | 0.19% | 3.16% | 0.22% | 1,136 |
| Q1 2025 | $13.4M | $11.1M | $5.0M | $2.3M | $29K | 0.88% | 3.10% | 0.22% | 1,150 |
| Q4 2024 | $12.5M | $10.3M | $4.9M | $2.2M | $87K | 0.69% | 3.17% | 1.87% | 1,145 |
| Q3 2024 | $12.6M | $10.3M | $5.0M | $2.3M | $122K | 1.29% | 3.69% | 0.60% | 1,160 |
| Q2 2024 | $12.7M | $10.2M | $5.2M | $2.2M | $82K | 1.30% | 3.66% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,169 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.6M · securities $7.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 81.5% | 37th |
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 2024). Biggest market: Refugio, TX, ranked 3rd with 8.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Refugio, TX | 1 | $10.7M* | 8.23% | 3rd |
Texas: 767th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1