| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.8 pts |
| Share growth (YoY) | +1.8% | +0.9% | +0.8 pts |
| Loan growth (YoY) | -0.7% | -2.6% | +1.9 pts |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.7M | $4.8M | $3.9M | $881K | $13K | 0.47% | 4.68% | 0.15% | 1,249 |
| Q1 2026 | $5.6M | $4.7M | $3.9M | $878K | $11K | 0.77% | 4.73% | 1.72% | 1,116 |
| Q4 2025 | $5.6M | $4.7M | $4.0M | $805K | $15K | 0.28% | 4.69% | 0.62% | 1,310 |
| Q3 2025 | $5.6M | $4.8M | $3.9M | $804K | $14K | 0.34% | 4.65% | 0.19% | 1,352 |
| Q2 2025 | $5.6M | $4.7M | $3.9M | $798K | $9K | 0.31% | 4.70% | 0.16% | 1,360 |
| Q1 2025 | $5.5M | $4.6M | $3.9M | $792K | $3K | 0.20% | 4.80% | 0.12% | 1,210 |
| Q4 2024 | $5.4M | $4.6M | $3.9M | $790K | $52K | 0.96% | 5.40% | 0.52% | 1,389 |
| Q3 2024 | $5.8M | $5.0M | $4.3M | $781K | $42K | 0.97% | 5.03% | 0.23% | 1,410 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.9M | $5.1M | $4.5M | $756K | $18K | 0.62% | 4.93% | 0.11% | 1,280 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $201K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 80.6% | 66th |
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 (+2 vs 2025). Biggest market: Webb, TX, ranked 14th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Webb, TX | 3 | $4.8M* | 0.05% | 14th |
Texas: 850th with 0.00% · Laredo metro: 14th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3