| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +0.8% | +0.9% | -0.1 pts |
| Loan growth (YoY) | -24.9% | -2.6% | -22.3 pts |
| ROA | 0.11% | 0.65% | -0.5 pts |
| ROE | 1.5% | 4.4% | -2.9 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.5M | $7.8M | $2.7M | $658K | $5K | 0.11% | 4.77% | 0.81% | 1,451 |
| Q1 2026 | $8.5M | $7.8M | $3.0M | $656K | $3K | 0.14% | 4.83% | 1.73% | 1,456 |
| Q4 2025 | $8.2M | $7.6M | $3.3M | $653K | $46K | 0.55% | 5.47% | 2.31% | 1,495 |
| Q3 2025 | $8.5M | $7.8M | $3.5M | $649K | $42K | 0.65% | 5.38% | 1.95% | 1,495 |
| Q2 2025 | $8.5M | $7.8M | $3.7M | $635K | $27K | 0.64% | 5.40% | 0.74% | 1,508 |
| Q1 2025 | $8.5M | $7.8M | $3.8M | $614K | $6K | 0.29% | 5.26% | 1.49% | 1,528 |
| Q4 2024 | $7.9M | $7.2M | $3.8M | $607K | $34K | 0.42% | 5.80% | 0.83% | 1,539 |
| Q3 2024 | $8.7M | $8.0M | $3.9M | $599K | $25K | 0.38% | 5.24% | 1.64% | 1,572 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.5M | $7.8M | $3.7M | $582K | $8K | 0.19% | 5.20% | 1.32% | 1,592 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 80.6% | 85th |
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: Orleans, LA, ranked 37th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orleans, LA | 1 | $7.8M* | 0.04% | 37th |
Louisiana: 211th with 0.01% · New Orleans-Metairie metro: 59th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1