| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +5.7% | +0.9% | +4.8 pts |
| Loan growth (YoY) | -7.1% | -2.6% | -4.5 pts |
| ROA | 1.64% | 0.65% | +1.0 pts |
| ROE | 9.8% | 4.4% | +5.4 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.4M | $39.1M | $8.9M | $8.0M | $390K | 1.64% | 3.92% | 0.51% | 4,532 |
| Q1 2026 | $46.2M | $38.1M | $9.1M | $7.8M | $193K | 1.68% | 4.00% | 0.43% | 4,581 |
| Q4 2025 | $44.5M | $36.8M | $9.4M | $7.6M | $818K | 1.84% | 4.27% | 0.47% | 4,600 |
| Q3 2025 | $44.5M | $36.8M | $9.4M | $7.4M | $629K | 1.89% | 4.25% | 0.60% | 4,637 |
| Q2 2025 | $44.5M | $37.0M | $9.5M | $7.2M | $450K | 2.02% | 4.16% | 0.74% | 4,359 |
| Q1 2025 | $44.1M | $36.8M | $9.3M | $7.0M | $241K | 2.19% | 4.08% | 0.03% | 4,378 |
| Q4 2024 | $41.7M | $34.8M | $9.7M | $6.8M | $567K | 1.36% | 4.20% | 0.22% | 4,418 |
| Q3 2024 | $41.6M | $34.8M | $9.7M | $6.7M | $432K | 1.38% | 4.19% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,447 |
| Q2 2024 | $42.1M | $35.2M | $9.7M | $6.5M | $296K | 1.41% | 4.08% | 0.15% | 4,467 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.7M · securities $29.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 80.6% | 18th |
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: Starr, TX, ranked 6th with 5.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Starr, TX | 2 | $39.1M* | 5.73% | 6th |
Texas: 646th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2