| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +4.2% | +0.9% | +3.3 pts |
| Loan growth (YoY) | -30.1% | -2.6% | -27.5 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 4.7% | 4.4% | +0.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.2M | $63.8M | $17.8M | $5.9M | $139K | 0.40% | 3.44% | 2.38% | 6,207 |
| Q1 2026 | $68.9M | $63.6M | $19.5M | $5.8M | $18K | 0.10% | 3.43% | 1.20% | 6,195 |
| Q4 2025 | $67.6M | $62.2M | $21.3M | $5.8M | $263K | 0.39% | 3.69% | 1.31% | 6,199 |
| Q3 2025 | $66.8M | $61.4M | $23.2M | $5.9M | $304K | 0.61% | 3.77% | 1.69% | 6,234 |
| Q2 2025 | $66.3M | $61.3M | $25.4M | $5.8M | $210K | 0.63% | 3.64% | 1.45% | 7,201 |
| Q1 2025 | $65.2M | $60.5M | $28.3M | $5.8M | $139K | 0.85% | 3.67% | 0.52% | 7,732 |
| Q4 2024 | $61.5M | $57.0M | $30.9M | $5.6M | $256K | 0.42% | 3.84% | 1.54% | 7,725 |
| Q3 2024 | $62.5M | $57.7M | $33.3M | $5.6M | $146K | 0.31% | 3.81% | 1.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,765 |
| Q2 2024 | $64.7M | $60.7M | $36.2M | $5.7M | $210K | 0.65% | 3.66% | 0.70% | 7,825 |
Loan mix (Q2 2026): real estate $5.6M · commercial $0 · consumer $11.8M · securities $20.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 80.6% | 61st |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Hidalgo, TX, ranked 23rd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hidalgo, TX | 3 | $63.8M* | 0.35% | 23rd |
Texas: 591st with 0.00% · McAllen-Edinburg-Mission metro: 23rd, 0.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3