| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | +2.1% | +2.9% | -0.8 pts |
| ROA | 0.90% | 0.69% | +0.2 pts |
| ROE | 6.1% | 5.9% | +0.1 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $345.5M | $293.9M | $256.4M | $51.5M | $781K | 0.90% | 2.71% | 0.47% | 12,314 |
| Q4 2025 | $319.5M | $268.7M | $259.8M | $50.7M | $2.9M | 0.92% | 2.64% | 0.74% | 12,259 |
| Q3 2025 | $313.9M | $263.3M | $259.7M | $50.0M | $2.3M | 0.98% | 2.64% | 0.19% | 12,194 |
| Q2 2025 | $313.8M | $264.5M | $256.5M | $49.2M | $1.4M | 0.91% | 2.57% | 0.36% | 12,094 |
| Q1 2025 | $321.5M | $273.7M | $251.1M | $48.3M | $581K | 0.72% | 2.42% | 0.29% | 12,187 |
| Q4 2024 | $299.5M | $255.9M | $249.6M | $47.7M | $2.2M | 0.74% | 2.26% | 0.46% | 12,910 |
| Q3 2024 | $304.7M | $256.4M | $252.1M | $47.3M | $1.8M | 0.79% | 2.18% | 0.40% | 12,065 |
| Q2 2024 | $314.5M | $263.9M | $254.8M | $46.7M | $1.2M | 0.79% | 2.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 12,076 |
Loan mix (Q1 2026): real estate $126.2M · commercial $0 · consumer $116.9M · securities $44.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 78.7% | 15th |
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.
7 branches in 6 counties across 1 state (+0 vs 2024). Biggest market: Bexar, TX, ranked 41st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bexar, TX | 2 | $75.6M* | 0.04% | 41st |
| Live Oak, TX | 1 | $37.8M* | 9.95% | 3rd |
| Nueces, TX | 1 | $37.8M* | 0.43% | 24th |
| 3 more counties with Pro → | ||||
Texas: 336th with 0.02% · San Antonio-New Braunfels metro: 58th, 0.04% · Houston-Pasadena-The Woodlands metro: 124th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7