| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.1% | +1.5 pts |
| Share growth (YoY) | +5.1% | +3.5% | +1.5 pts |
| Loan growth (YoY) | +17.9% | +2.9% | +15.0 pts |
| ROA | 1.42% | 0.74% | +0.7 pts |
| ROE | 12.2% | 6.5% | +5.7 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.2M | $96.9M | $54.8M | $12.6M | $767K | 1.42% | 3.84% | 0.08% | 8,303 |
| Q1 2026 | $108.2M | $97.1M | $52.9M | $12.2M | $365K | 1.35% | 3.74% | 0.06% | 8,211 |
| Q4 2025 | $104.7M | $94.1M | $51.0M | $11.9M | $1.3M | 1.21% | 3.68% | 0.10% | 8,099 |
| Q3 2025 | $104.2M | $93.5M | $48.6M | $11.5M | $935K | 1.20% | 3.66% | 0.02% | 8,012 |
| Q2 2025 | $102.4M | $92.2M | $46.4M | $11.2M | $578K | 1.13% | 3.67% | 0.10% | 7,905 |
| Q1 2025 | $103.5M | $93.6M | $45.6M | $10.9M | $285K | 1.10% | 3.54% | 0.10% | 7,794 |
| Q4 2024 | $101.2M | $91.7M | $45.0M | $10.6M | $892K | 0.88% | 3.23% | 0.19% | 7,687 |
| Q3 2024 | $99.3M | $89.7M | $44.2M | $10.4M | $632K | 0.85% | 3.17% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.74% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 6.5% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 7,593 |
| Q2 2024 | $96.8M | $87.6M | $42.1M | $10.1M | $385K | 0.80% | 3.11% | 0.94% | 7,497 |
Loan mix (Q2 2026): real estate $28.7M · commercial $0 · consumer $20.3M · securities $45.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 77.5% | 27th |
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 (+0 vs 2025). Biggest market: Milam, TX, ranked 3rd with 13.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Milam, TX | 2 | $96.9M* | 13.83% | 3rd |
Texas: 528th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2