| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.5 pts |
| Loan growth (YoY) | -0.3% | -2.6% | +2.3 pts |
| ROA | 1.16% | 0.65% | +0.5 pts |
| ROE | 10.1% | 4.4% | +5.7 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.6M | $77.7M | $42.1M | $10.1M | $510K | 1.16% | 4.07% | 0.50% | 5,438 |
| Q1 2026 | $86.0M | $76.5M | $40.8M | $9.8M | $195K | 0.91% | 4.08% | 0.35% | 5,409 |
| Q4 2025 | $85.8M | $76.3M | $42.4M | $9.6M | $866K | 1.01% | 3.86% | 0.63% | 5,370 |
| Q3 2025 | $86.9M | $77.7M | $42.6M | $9.5M | $699K | 1.07% | 3.71% | 0.52% | 5,337 |
| Q2 2025 | $86.0M | $77.3M | $42.2M | $9.2M | $417K | 0.97% | 3.65% | 0.34% | 5,314 |
| Q1 2025 | $86.7M | $78.1M | $41.3M | $9.0M | $199K | 0.92% | 3.57% | 0.67% | 5,314 |
| Q4 2024 | $84.1M | $76.0M | $42.4M | $8.8M | $673K | 0.80% | 3.37% | 0.31% | 5,314 |
| Q3 2024 | $81.7M | $73.4M | $39.6M | $8.7M | $526K | 0.86% | 3.43% | 0.26% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,314 |
| Q2 2024 | $83.0M | $75.5M | $39.7M | $8.5M | $314K | 0.76% | 3.28% | 0.20% | 5,307 |
Loan mix (Q2 2026): real estate $12.8M · commercial $0 · consumer $27.4M · securities $38.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 80.6% | 22nd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Bexar, TX, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bexar, TX | 2 | $77.7M* | 0.04% | 45th |
Texas: 561st with 0.00% · San Antonio-New Braunfels metro: 62nd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2