| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -1.3% | +0.9% | -2.3 pts |
| Loan growth (YoY) | -18.9% | -2.6% | -16.2 pts |
| ROA | -1.67% | 0.65% | -2.3 pts |
| ROE | -11.1% | 4.4% | -15.5 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.7M | $48.1M | $35.6M | $8.7M | $-481K | -1.67% | 2.84% | 0.83% | 5,402 |
| Q1 2026 | $58.6M | $48.6M | $37.7M | $9.1M | $-128K | -0.87% | 2.83% | 0.90% | 5,462 |
| Q4 2025 | $57.5M | $47.5M | $39.6M | $9.2M | $-873K | -1.52% | 3.18% | 1.15% | 5,486 |
| Q3 2025 | $57.9M | $47.5M | $42.2M | $9.6M | $-459K | -1.06% | 3.22% | 2.54% | 5,553 |
| Q2 2025 | $59.4M | $48.7M | $43.9M | $9.9M | $-166K | -0.56% | 3.18% | 2.28% | 5,905 |
| Q1 2025 | $59.9M | $49.2M | $45.8M | $10.0M | $-70K | -0.47% | 3.14% | 0.81% | 5,940 |
| Q4 2024 | $59.1M | $48.3M | $47.3M | $10.1M | $-484K | -0.82% | 3.43% | 1.46% | 5,991 |
| Q3 2024 | $59.1M | $47.7M | $49.7M | $10.5M | $-15K | -0.03% | 3.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.67% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -11.1% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2.34% |
| 6,042 |
| Q2 2024 | $59.2M | $47.8M | $50.2M | $10.6M | $28K | 0.09% | 3.56% | 1.37% | 6,145 |
Loan mix (Q2 2026): real estate $3.6M · commercial $789K · consumer $25.9M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.6% | 80.6% | 95th |
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.
5 branches in 3 counties across 2 states (+2 vs 2025). Biggest market: Bexar, TX, ranked 58th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bexar, TX | 3 | $28.8M* | 0.02% | 58th |
| Medina, TX | 1 | $9.6M* | 0.78% | 8th |
| Douglas, NE | 1 | $9.6M* | 0.03% | 63rd |
Texas: 648th with 0.00% · Nebraska: 205th with 0.01% · San Antonio-New Braunfels metro: 75th, 0.02% · Omaha metro: 98th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 5