| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.7% | -7.4 pts |
| Share growth (YoY) | -7.3% | +4.2% | -11.5 pts |
| Loan growth (YoY) | +13.1% | +4.3% | +8.8 pts |
| ROA | 1.29% | 0.75% | +0.5 pts |
| ROE | 18.9% | 6.9% | +12.0 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $555.6M | $487.8M | $426.7M | $38.0M | $3.6M | 1.29% | 3.81% | 1.01% | 58,757 |
| Q1 2026 | $560.7M | $501.0M | $417.8M | $36.6M | $2.3M | 1.62% | 3.84% | 1.07% | 58,938 |
| Q4 2025 | $563.1M | $511.3M | $421.1M | $34.4M | $-185K | -0.03% | 3.56% | 1.94% | 59,540 |
| Q3 2025 | $563.7M | $501.9M | $417.5M | $34.9M | $377K | 0.09% | 3.52% | 1.27% | 58,035 |
| Q2 2025 | $571.1M | $526.3M | $377.1M | $39.5M | $1.1M | 0.40% | 3.46% | 1.74% | 56,540 |
| Q1 2025 | $612.3M | $563.1M | $449.8M | $38.0M | $-315K | -0.21% | 3.07% | 1.49% | 55,648 |
| Q4 2024 | $614.0M | $565.6M | $465.5M | $38.3M | $-10.2M | -1.66% | 3.24% | 1.64% | 55,183 |
| Q3 2024 | $631.3M | $573.4M | $524.1M | $44.6M | $-6.8M | -1.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.75% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 6.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 3.14% |
| 2.06% |
| 55,355 |
| Q2 2024 | $645.4M | $583.3M | $554.9M | $53.4M | $1.2M | 0.36% | 3.05% | 2.17% | 55,209 |
Loan mix (Q2 2026): real estate $189.4M · commercial $9.5M · consumer $77.0M · securities $15.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 77.1% | 87th |
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.
8 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Bexar, TX, ranked 23rd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bexar, TX | 6 | $365.9M* | 0.20% | 23rd |
| Guadalupe, TX | 1 | $61.0M* | 1.38% | 15th |
| Val Verde, TX | 1 | $61.0M* | 6.46% | 5th |
Texas: 259th with 0.03% · San Antonio-New Braunfels metro: 27th, 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 7 · 2024 8 · 2025 8 · 2026 8