| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +1.3% | +12.5 pts |
| Share growth (YoY) | +18.9% | +0.9% | +18.0 pts |
| Loan growth (YoY) | +8.5% | -2.6% | +11.1 pts |
| ROA | -4.83% | 0.65% | -5.5 pts |
| ROE | -34.8% | 4.4% | -39.2 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.2M | $11.4M | $7.3M | $1.8M | $-320K | -4.83% | 2.40% | 0.53% | 1,179 |
| Q1 2026 | $12.4M | $10.3M | $7.0M | $2.1M | $-69K | -2.22% | 2.25% | 0.70% | 1,163 |
| Q4 2025 | $12.1M | $10.0M | $6.8M | $2.2M | $38K | 0.31% | 2.86% | 0.58% | 1,143 |
| Q3 2025 | $11.6M | $9.6M | $6.9M | $2.1M | $-361 | -0.00% | 2.73% | 0.70% | 1,144 |
| Q2 2025 | $11.6M | $9.6M | $6.7M | $2.1M | $-8K | -0.14% | 2.64% | 0.69% | 1,143 |
| Q1 2025 | $11.2M | $9.1M | $6.2M | $2.1M | $-34K | -1.20% | 2.29% | 0.85% | 1,138 |
| Q4 2024 | $11.0M | $8.8M | $6.1M | $2.1M | $7K | 0.06% | 2.41% | 1.11% | 1,130 |
| Q3 2024 | $10.8M | $8.7M | $5.9M | $2.1M | $-17K | -0.21% | 2.77% | 1.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.83% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -34.8% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,120 |
| Q2 2024 | $11.2M | $9.1M | $5.6M | $2.1M | $-46K | -0.82% | 2.35% | 2.87% | 1,110 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.7M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 134.1% | 80.6% | 97th |
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: Scurry, TX, ranked 6th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Scurry, TX | 1 | $11.4M* | 2.03% | 6th |
Texas: 787th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1