| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +1.3% | -9.7 pts |
| Share growth (YoY) | -3.2% | +0.9% | -4.2 pts |
| Loan growth (YoY) | -18.8% | -2.6% | -16.2 pts |
| ROA | -1.32% | 0.65% | -2.0 pts |
| ROE | -13.5% | 4.4% | -17.9 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.7M | $2.2M | $660K | $267K | $-18K | -1.32% | 5.14% | 26.03% | 423 |
| Q1 2026 | $2.7M | $2.3M | $637K | $272K | $-13K | -1.89% | 2.71% | 3.37% | 474 |
| Q4 2025 | $2.7M | $2.3M | $718K | $285K | $-225K | -8.33% | 2.72% | 5.07% | 476 |
| Q3 2025 | $2.9M | $2.3M | $770K | $422K | $-240K | -11.20% | 3.17% | 25.66% | 485 |
| Q2 2025 | $3.0M | $2.3M | $813K | $584K | $-78K | -5.22% | 2.92% | 23.59% | 484 |
| Q1 2025 | $2.9M | $2.1M | $794K | $630K | $-32K | -4.43% | 3.11% | 4.73% | 495 |
| Q4 2024 | $2.9M | $2.2M | $795K | $662K | $-137K | -4.65% | 2.57% | 4.90% | 498 |
| Q3 2024 | $3.0M | $2.1M | $805K | $699K | $-99K | -4.37% | 2.47% | 5.17% | 500 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.32% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -13.5% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.1M | $2.1M | $824K | $731K | $-67K | -4.31% | 2.47% | 5.60% | 503 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $462K · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 125.4% | 80.6% | 96th |
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 (+1 vs 2025). Biggest market: Harris, TX, ranked 162nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 2 | $2.2M* | 0.00% | 162nd |
Texas: 883rd with 0.00% · Houston-Pasadena-The Woodlands metro: 196th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2