| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -2.7% | +0.7% | -3.4 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.4 pts |
| ROA | -0.70% | 0.60% | -1.3 pts |
| ROE | -5.3% | 4.1% | -9.4 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.0M | $15.6M | $8.7M | $2.4M | $-31K | -0.70% | 3.58% | 3.18% | 2,741 |
| Q4 2025 | $18.5M | $16.1M | $9.2M | $2.4M | $-91K | -0.49% | 3.64% | 2.17% | 2,760 |
| Q3 2025 | $18.5M | $16.0M | $9.0M | $2.5M | $-36K | -0.26% | 3.64% | 3.16% | 2,800 |
| Q2 2025 | $18.4M | $15.8M | $9.4M | $2.5M | $-11K | -0.12% | 3.64% | 3.68% | 2,832 |
| Q1 2025 | $18.4M | $16.0M | $9.7M | $2.5M | $-6K | -0.12% | 3.63% | 2.91% | 2,849 |
| Q4 2024 | $18.5M | $15.8M | $9.9M | $2.5M | $-30K | -0.16% | 3.65% | 2.29% | 2,857 |
| Q3 2024 | $18.4M | $15.8M | $10.2M | $2.5M | $-31K | -0.22% | 3.69% | 1.67% | 2,916 |
| Q2 2024 | $19.1M | $16.4M | $10.6M | $2.5M | $-19K | -0.20% | 3.57% | 1.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.70% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -5.3% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,929 |
Loan mix (Q1 2026): real estate $2.3M · commercial $0 · consumer $5.7M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.2% | 81.5% | 93rd |
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 2024). Biggest market: Harris, TX, ranked 136th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $15.8M* | 0.01% | 136th |
Texas: 736th with 0.00% · Houston-Pasadena-The Woodlands metro: 163rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1