| Metric | Sweetex Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -2.0% | +0.9% | -2.9 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.3 pts |
| ROA | 1.20% | 0.65% | +0.6 pts |
| ROE | 3.1% | 4.4% | -1.3 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.4M | $5.6M | $3.3M | $3.7M | $57K | 1.20% | 3.50% | 0.00% | 691 |
| Q1 2026 | $9.4M | $5.6M | $3.5M | $3.7M | $30K | 1.28% | 3.47% | 0.00% | 697 |
| Q4 2025 | $9.3M | $5.4M | $3.5M | $3.7M | $113K | 1.22% | 3.67% | 0.00% | 704 |
| Q3 2025 | $9.0M | $5.3M | $3.5M | $3.6M | $81K | 1.19% | 3.77% | 0.00% | 715 |
| Q2 2025 | $9.5M | $5.8M | $3.4M | $3.6M | $40K | 0.84% | 3.50% | 0.00% | 719 |
| Q1 2025 | $9.4M | $5.7M | $3.2M | $3.6M | $16K | 0.67% | 3.39% | 0.00% | 723 |
| Q4 2024 | $9.4M | $5.8M | $3.3M | $3.6M | $31K | 0.33% | 2.94% | 0.00% | 742 |
| Q3 2024 | $9.5M | $5.9M | $3.4M | $3.5M | $19K | 0.27% | 2.82% | 0.00% | 746 |
| Ratio | Sweetex Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.9M | $6.3M | $3.4M | $3.5M | $11K | 0.23% | 2.62% | 0.00% | 754 |
Loan mix (Q2 2026): real estate $157K · commercial $0 · consumer $2.3M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 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 | Sweetex Credit Union | 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 | Sweetex Credit Union | 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 | Sweetex Credit Union | 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 | Sweetex Credit Union | 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 | Sweetex Credit Union | 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: Gregg, TX, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gregg, TX | 1 | $5.6M* | 0.10% | 30th |
Texas: 839th with 0.00% · Longview metro: 34th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1