| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +1.3% | +12.5 pts |
| Share growth (YoY) | +14.8% | +0.9% | +13.9 pts |
| Loan growth (YoY) | +1.7% | -2.6% | +4.3 pts |
| ROA | 0.17% | 0.65% | -0.5 pts |
| ROE | 1.7% | 4.4% | -2.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.6M | $58.0M | $31.0M | $6.3M | $55K | 0.17% | 2.94% | 0.01% | 2,833 |
| Q1 2026 | $60.4M | $53.8M | $30.5M | $6.3M | $12K | 0.08% | 3.10% | 0.02% | 2,821 |
| Q4 2025 | $59.2M | $52.8M | $30.7M | $6.3M | $383K | 0.65% | 3.12% | 0.56% | 2,783 |
| Q3 2025 | $58.3M | $51.8M | $31.1M | $6.2M | $268K | 0.61% | 3.12% | 0.21% | 2,770 |
| Q2 2025 | $56.8M | $50.5M | $30.5M | $6.0M | $158K | 0.56% | 3.15% | 0.21% | 2,759 |
| Q1 2025 | $55.0M | $48.8M | $29.9M | $6.0M | $96K | 0.70% | 3.24% | 0.13% | 2,774 |
| Q4 2024 | $53.4M | $47.5M | $29.8M | $5.9M | $450K | 0.84% | 3.26% | 0.60% | 2,766 |
| Q3 2024 | $52.8M | $46.7M | $29.5M | $5.8M | $373K | 0.94% | 3.29% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,758 |
| Q2 2024 | $53.1M | $47.2M | $29.2M | $5.7M | $273K | 1.03% | 3.22% | 0.02% | 2,747 |
Loan mix (Q2 2026): real estate $4.8M · commercial $0 · consumer $15.3M · securities $28.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 80.6% | 65th |
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: Lavaca, TX, ranked 6th with 5.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lavaca, TX | 1 | $58.0M* | 4.99% | 6th |
Texas: 600th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1