| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.1 pts |
| Loan growth (YoY) | +6.6% | -2.4% | +9.0 pts |
| ROA | 2.22% | 0.60% | +1.6 pts |
| ROE | 11.7% | 4.1% | +7.6 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.2M | $59.7M | $38.8M | $13.9M | $405K | 2.22% | 3.76% | 0.30% | 4,688 |
| Q4 2025 | $71.0M | $57.7M | $38.8M | $12.4M | $1.7M | 2.37% | 3.82% | 0.35% | 4,666 |
| Q3 2025 | $70.8M | $58.1M | $36.8M | $11.9M | $1.3M | 2.44% | 3.87% | 0.92% | 4,631 |
| Q2 2025 | $70.3M | $58.2M | $37.1M | $11.5M | $876K | 2.49% | 3.82% | 0.49% | 4,608 |
| Q1 2025 | $74.0M | $59.4M | $36.4M | $11.1M | $452K | 2.44% | 3.56% | 0.38% | 4,626 |
| Q4 2024 | $70.4M | $59.7M | $35.6M | $10.6M | $1.7M | 2.42% | 3.60% | 0.50% | 4,605 |
| Q3 2024 | $69.2M | $59.0M | $35.7M | $10.2M | $1.3M | 2.50% | 3.75% | 0.76% | 4,570 |
| Q2 2024 | $69.5M | $59.9M | $36.2M | $9.8M | $852K | 2.45% | 3.59% | 0.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,611 |
Loan mix (Q1 2026): real estate $13.1M · commercial $256K · consumer $23.3M · securities $26.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 81.5% | 6th |
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 2024). Biggest market: Bell, TX, ranked 17th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bell, TX | 1 | $58.2M* | 0.66% | 17th |
Texas: 594th with 0.00% · Killeen-Temple metro: 21st, 0.56% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1