| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.1 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | -8.0% | -2.6% | -5.3 pts |
| ROA | 0.96% | 0.65% | +0.3 pts |
| ROE | 12.8% | 4.4% | +8.4 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.1M | $3.8M | $2.6M | $306K | $19K | 0.96% | 5.17% | 11.30% | 1,510 |
| Q1 2026 | $4.0M | $3.7M | $2.6M | $293K | $7K | 0.67% | 4.94% | 8.36% | 1,310 |
| Q4 2025 | $4.1M | $3.8M | $2.7M | $300K | $5K | 0.12% | 4.98% | 10.37% | 1,498 |
| Q3 2025 | $4.2M | $3.8M | $2.8M | $323K | $17K | 0.56% | 5.50% | 10.41% | 1,310 |
| Q2 2025 | $4.1M | $3.7M | $2.8M | $305K | $30K | 1.48% | 5.77% | 11.12% | 1,308 |
| Q1 2025 | $4.1M | $3.7M | $2.7M | $333K | $28K | 2.75% | 6.41% | 9.36% | 1,305 |
| Q4 2024 | $4.0M | $3.7M | $2.8M | $305K | $21K | 0.51% | 4.92% | 8.57% | 1,310 |
| Q3 2024 | $4.1M | $3.8M | $2.9M | $330K | $45K | 1.47% | 5.51% | 6.43% | 1,304 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.2M | $3.8M | $2.8M | $314K | $29K | 1.41% | 5.23% | 4.24% | 1,460 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 80.6% | 40th |
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: St. Helena, LA, ranked 3rd with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Helena, LA | 1 | $3.8M* | 4.32% | 3rd |
Louisiana: 229th with 0.00% · Baton Rouge metro: 67th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1