| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +1.3% | -10.2 pts |
| Share growth (YoY) | -9.9% | +0.9% | -10.8 pts |
| Loan growth (YoY) | +6.3% | -2.6% | +8.9 pts |
| ROA | 0.86% | 0.65% | +0.2 pts |
| ROE | 9.1% | 4.4% | +4.8 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $779K | $706K | $386K | $73K | $3K | 0.86% | 5.14% | 0.62% | 300 |
| Q1 2026 | $791K | $720K | $428K | $71K | $-2K | -0.76% | 4.75% | 5.03% | 299 |
| Q4 2025 | $800K | $727K | $466K | $73K | $-5K | -0.59% | 4.31% | 4.22% | 298 |
| Q3 2025 | $827K | $755K | $327K | $72K | $-5K | -0.87% | 4.30% | 6.02% | 293 |
| Q2 2025 | $856K | $784K | $363K | $72K | $-6K | -1.34% | 4.27% | 5.31% | 295 |
| Q1 2025 | $857K | $781K | $394K | $77K | $-3K | -1.27% | 4.37% | 4.86% | 295 |
| Q4 2024 | $847K | $768K | $444K | $79K | $5K | 0.58% | 5.13% | 4.31% | 292 |
| Q3 2024 | $878K | $797K | $458K | $80K | $6K | 0.91% | 4.86% | 4.60% | 289 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $874K |
| $796K |
| $439K |
| $78K |
| $4K |
| 0.85% |
| 5.03% |
| 4.83% |
| 350 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $386K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.4% | 80.6% | 57th |
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. Tammany, LA, ranked 38th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Tammany, LA | 1 | $706K* | 0.01% | 38th |
Louisiana: 254th with 0.00% · Slidell-Mandeville-Covington metro: 38th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1