| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +13.6% | +0.9% | +12.7 pts |
| Loan growth (YoY) | -15.1% | -2.6% | -12.5 pts |
| ROA | 2.99% | 0.65% | +2.3 pts |
| ROE | 10.1% | 4.4% | +5.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $619K | $435K | $182K | $183K | $9K | 2.99% | 4.66% | 6.18% | 130 |
| Q1 2026 | $593K | $409K | $184K | $181K | $8K | 5.15% | 4.47% | 6.35% | 131 |
| Q4 2025 | $592K | $415K | $194K | $174K | $-11K | -1.84% | 5.22% | 4.54% | 132 |
| Q3 2025 | $567K | $374K | $209K | $190K | $5K | 1.26% | 5.29% | 6.15% | 135 |
| Q2 2025 | $572K | $383K | $215K | $188K | $3K | 1.11% | 5.22% | 4.72% | 134 |
| Q1 2025 | $563K | $378K | $224K | $185K | $433 | 0.31% | 4.85% | 3.09% | 139 |
| Q4 2024 | $578K | $392K | $190K | $185K | $-7K | -1.13% | 5.37% | 0.49% | 140 |
| Q3 2024 | $586K | $397K | $205K | $186K | $-5K | -1.09% | 5.03% | 4.07% | 143 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.99% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $584K | $400K | $191K | $184K | $-7K | -2.48% | 4.83% | 1.72% | 140 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $182K · securities $240K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 80.6% | 70th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Richland, LA, ranked 8th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Richland, LA | 2 | $435K* | 0.05% | 8th |
Louisiana: 257th with 0.00% · Monroe metro: 31st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2