| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.1% | +0.6 pts |
| Share growth (YoY) | +3.9% | +3.5% | +0.3 pts |
| Loan growth (YoY) | -7.8% | +2.9% | -10.7 pts |
| ROA | 0.83% | 0.74% | +0.1 pts |
| ROE | 7.9% | 6.5% | +1.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $180.1M | $159.2M | $62.4M | $19.0M | $750K | 0.83% | 3.32% | 0.42% | 17,573 |
| Q1 2026 | $181.5M | $161.3M | $64.4M | $18.6M | $409K | 0.90% | 3.20% | 0.48% | 17,611 |
| Q4 2025 | $175.0M | $155.5M | $65.8M | $18.2M | $1.9M | 1.08% | 3.34% | 0.53% | 17,571 |
| Q3 2025 | $178.4M | $158.1M | $70.0M | $17.6M | $1.3M | 0.94% | 3.22% | 0.39% | 17,583 |
| Q2 2025 | $171.9M | $153.3M | $67.7M | $17.1M | $745K | 0.87% | 3.30% | 0.22% | 17,514 |
| Q1 2025 | $165.4M | $147.1M | $72.6M | $16.6M | $237K | 0.57% | 3.31% | 0.22% | 17,493 |
| Q4 2024 | $155.7M | $137.5M | $77.5M | $16.3M | $1.8M | 1.15% | 3.45% | 0.25% | 17,490 |
| Q3 2024 | $157.3M | $137.8M | $81.1M | $16.3M | $1.7M | 1.45% | 3.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.74% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 6.5% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 17,470 |
| Q2 2024 | $156.0M | $137.9M | $77.8M | $15.2M | $664K | 0.85% | 3.35% | 0.20% | 17,401 |
Loan mix (Q2 2026): real estate $7.6M · commercial $0 · consumer $51.6M · securities $66.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 77.5% | 48th |
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.
5 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Cameron, TX, ranked 15th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cameron, TX | 4 | $127.4M* | 1.59% | 15th |
| Willacy, TX | 1 | $31.8M* | 16.95% | 3rd |
Texas: 447th with 0.01% · Brownsville-Harlingen metro: 15th, 1.59% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5