| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +1.3% | +7.9 pts |
| Share growth (YoY) | +10.2% | +0.9% | +9.2 pts |
| Loan growth (YoY) | +63.0% | -2.6% | +65.6 pts |
| ROA | 0.78% | 0.65% | +0.1 pts |
| ROE | 6.6% | 4.4% | +2.2 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.9M | $1.7M | $736K | $223K | $7K | 0.78% | 1.73% | 3.03% | 295 |
| Q1 2026 | $1.9M | $1.7M | $592K | $219K | $3K | 0.71% | 1.94% | 4.52% | 301 |
| Q4 2025 | $1.7M | $1.5M | $616K | $215K | $17K | 0.95% | 1.97% | 3.31% | 297 |
| Q3 2025 | $1.7M | $1.5M | $505K | $214K | $15K | 1.14% | 1.92% | 2.03% | 302 |
| Q2 2025 | $1.7M | $1.5M | $451K | $208K | $9K | 1.01% | 1.80% | 2.27% | 299 |
| Q1 2025 | $1.8M | $1.6M | $404K | $204K | $5K | 1.04% | 1.76% | 7.18% | 290 |
| Q4 2024 | $1.8M | $1.6M | $367K | $199K | $20K | 1.10% | 1.97% | 8.57% | 294 |
| Q3 2024 | $1.8M | $1.6M | $380K | $198K | $19K | 1.38% | 2.02% | 3.45% | 292 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.65% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.8M |
| $1.6M |
| $388K |
| $193K |
| $14K |
| 1.55% |
| 2.17% |
| 3.74% |
| 290 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $571K · securities $900K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.4% | 80.6% | 2nd |
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 2025). Biggest market: Harris, TX, ranked 165th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $1.7M* | 0.00% | 165th |
Texas: 895th with 0.00% · Houston-Pasadena-The Woodlands metro: 199th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1