| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -1.8% | +0.9% | -2.7 pts |
| Loan growth (YoY) | -5.4% | -2.6% | -2.8 pts |
| ROA | 0.02% | 0.65% | -0.6 pts |
| ROE | 0.1% | 4.4% | -4.3 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.4M | $5.7M | $2.5M | $1.6M | $877 | 0.02% | 3.29% | 4.37% | 710 |
| Q1 2026 | $7.6M | $5.9M | $2.5M | $1.6M | $450 | 0.02% | 3.16% | 5.07% | 744 |
| Q4 2025 | $7.6M | $6.0M | $2.7M | $1.6M | $3K | 0.05% | 3.25% | 4.63% | 741 |
| Q3 2025 | $7.6M | $5.9M | $2.7M | $1.6M | $4K | 0.07% | 3.25% | 3.89% | 736 |
| Q2 2025 | $7.5M | $5.8M | $2.7M | $1.6M | $3K | 0.08% | 3.13% | 5.63% | 731 |
| Q1 2025 | $7.4M | $5.7M | $2.7M | $1.6M | $508 | 0.03% | 3.39% | 4.14% | 754 |
| Q4 2024 | $7.3M | $5.6M | $2.7M | $1.6M | $2K | 0.03% | 3.52% | 2.05% | 751 |
| Q3 2024 | $7.4M | $5.8M | $2.9M | $1.6M | $2K | 0.04% | 3.45% | 1.83% | 767 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $7.5M |
| $5.7M |
| $3.1M |
| $1.6M |
| $2K |
| 0.05% |
| 3.49% |
| 2.29% |
| 759 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.3% | 80.6% | 86th |
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: Gaines, TX, ranked 7th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gaines, TX | 1 | $5.7M* | 1.00% | 7th |
Texas: 837th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1