| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -4.0% | +0.9% | -4.9 pts |
| Loan growth (YoY) | -3.2% | -2.6% | -0.5 pts |
| ROA | -0.09% | 0.65% | -0.7 pts |
| ROE | -0.9% | 4.4% | -5.3 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.3M | $24.9M | $21.4M | $2.8M | $-13K | -0.09% | 4.63% | 2.40% | 2,880 |
| Q1 2026 | $29.3M | $25.9M | $21.0M | $2.8M | $4K | 0.06% | 4.44% | 2.47% | 2,933 |
| Q4 2025 | $29.0M | $25.8M | $21.8M | $2.9M | $414 | 0.00% | 4.09% | 1.87% | 2,975 |
| Q3 2025 | $29.7M | $26.3M | $21.6M | $2.9M | $17K | 0.08% | 3.90% | 1.45% | 3,005 |
| Q2 2025 | $29.6M | $25.9M | $22.1M | $2.9M | $2K | 0.02% | 3.64% | 0.79% | 3,036 |
| Q1 2025 | $29.8M | $26.5M | $21.0M | $2.9M | $3K | 0.04% | 3.53% | 1.49% | 3,117 |
| Q4 2024 | $30.3M | $26.9M | $21.5M | $2.9M | $-606K | -2.00% | 3.67% | 2.30% | 3,142 |
| Q3 2024 | $30.7M | $26.7M | $22.7M | $3.5M | $-6K | -0.03% | 3.68% | 2.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,160 |
| Q2 2024 | $31.3M | $26.8M | $23.5M | $3.5M | $10K | 0.07% | 3.68% | 2.34% | 3,206 |
Loan mix (Q2 2026): real estate $8.2M · commercial $0 · consumer $10.9M · securities $10K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.9% | 80.6% | 87th |
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: McLennan, TX, ranked 31st with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLennan, TX | 1 | $24.9M* | 0.26% | 31st |
Texas: 698th with 0.00% · Waco metro: 35th, 0.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1