| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.3 pts |
| Loan growth (YoY) | -2.7% | -2.6% | -0.0 pts |
| ROA | 0.21% | 0.65% | -0.4 pts |
| ROE | 2.4% | 4.4% | -2.0 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.2M | $26.4M | $14.1M | $2.6M | $31K | 0.21% | 4.24% | 0.06% | 3,848 |
| Q1 2026 | $29.6M | $26.8M | $13.9M | $2.6M | $-3K | -0.04% | 4.13% | 0.14% | 3,819 |
| Q4 2025 | $29.6M | $26.8M | $14.2M | $2.6M | $172K | 0.58% | 4.03% | 0.12% | 3,830 |
| Q3 2025 | $29.1M | $26.3M | $14.5M | $2.6M | $211K | 0.97% | 3.91% | 0.12% | 3,845 |
| Q2 2025 | $29.5M | $26.8M | $14.5M | $2.6M | $187K | 1.26% | 3.92% | 0.15% | 3,857 |
| Q1 2025 | $28.9M | $26.5M | $14.3M | $2.4M | $20K | 0.27% | 3.97% | 0.15% | 4,326 |
| Q4 2024 | $28.4M | $25.8M | $14.9M | $2.4M | $133K | 0.47% | 4.09% | 0.19% | 4,313 |
| Q3 2024 | $29.2M | $26.3M | $14.7M | $2.3M | $7K | 0.03% | 3.89% | 0.22% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,311 |
| Q2 2024 | $29.2M | $26.7M | $15.0M | $2.3M | $60K | 0.41% | 3.87% | 0.11% | 4,334 |
Loan mix (Q2 2026): real estate $1.9M · commercial $0 · consumer $10.5M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.4% | 80.6% | 80th |
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 3 counties across 2 states (+0 vs 2025). Biggest market: East Baton Rouge, LA, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| East Baton Rouge, LA | 1 | $8.8M* | 0.04% | 53rd |
| Lafourche, LA | 1 | $8.8M* | 0.38% | 14th |
| McLennan, TX | 1 | $8.8M* | 0.09% | 37th |
Louisiana: 196th with 0.01% · Texas: 809th with 0.00% · Houma-Bayou Cane-Thibodaux metro: 19th, 0.16% · Waco metro: 42nd, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3