| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +4.9% | +0.9% | +4.0 pts |
| Loan growth (YoY) | -12.4% | -2.6% | -9.8 pts |
| ROA | 0.10% | 0.65% | -0.5 pts |
| ROE | 0.7% | 4.4% | -3.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.2M | $40.4M | $29.3M | $6.6M | $23K | 0.10% | 4.75% | 1.02% | 6,854 |
| Q1 2026 | $47.6M | $40.8M | $29.9M | $6.6M | $-3K | -0.02% | 4.68% | 1.32% | 7,818 |
| Q4 2025 | $45.5M | $38.7M | $31.9M | $6.6M | $76K | 0.17% | 5.24% | 1.14% | 7,144 |
| Q3 2025 | $44.8M | $38.2M | $32.4M | $6.3M | $-270K | -0.80% | 5.28% | 1.11% | 7,175 |
| Q2 2025 | $44.9M | $38.5M | $33.4M | $6.7M | $-230K | -1.02% | 5.19% | 0.90% | 7,700 |
| Q1 2025 | $45.2M | $38.7M | $34.2M | $6.8M | $-68K | -0.60% | 5.13% | 0.91% | 7,569 |
| Q4 2024 | $43.2M | $36.4M | $35.2M | $6.9M | $140K | 0.32% | 4.88% | 0.92% | 7,581 |
| Q3 2024 | $43.8M | $37.1M | $34.3M | $6.8M | $89K | 0.27% | 4.63% | 0.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,596 |
| Q2 2024 | $46.9M | $40.3M | $35.4M | $6.8M | $40K | 0.17% | 4.13% | 0.70% | 7,595 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $28.3M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 80.6% | 77th |
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.
4 branches in 1 county across 1 state (+0 vs 2025). Biggest market: St. Tammany, LA, ranked 22nd with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Tammany, LA | 4 | $40.4M* | 0.43% | 22nd |
Louisiana: 170th with 0.03% · Slidell-Mandeville-Covington metro: 22nd, 0.43% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 4 · 2026 4