| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -4.9% | +0.9% | -5.9 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.4 pts |
| ROA | -0.36% | 0.65% | -1.0 pts |
| ROE | -4.5% | 4.4% | -8.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.5M | $2.3M | $1.5M | $199K | $-4K | -0.36% | 5.75% | 3.10% | 947 |
| Q1 2026 | $2.5M | $2.3M | $1.4M | $199K | $-5K | -0.73% | 5.40% | 1.58% | 939 |
| Q4 2025 | $2.5M | $2.3M | $1.5M | $203K | $22K | 0.87% | 5.66% | 0.21% | 941 |
| Q3 2025 | $2.5M | $2.3M | $1.5M | $204K | $22K | 1.16% | 5.54% | 1.73% | 938 |
| Q2 2025 | $2.6M | $2.4M | $1.5M | $208K | $26K | 2.05% | 5.42% | 2.34% | 940 |
| Q1 2025 | $2.6M | $2.3M | $1.6M | $226K | $44K | 6.90% | 5.35% | 1.71% | 933 |
| Q4 2024 | $2.5M | $2.3M | $1.6M | $182K | $1K | 0.05% | 5.26% | 3.88% | 925 |
| Q3 2024 | $2.5M | $2.3M | $1.8M | $181K | $446 | 0.02% | 5.21% | 4.68% | 919 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -4.5% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.5M | $2.3M | $1.8M | $174K | $-6K | -0.51% | 5.04% | 1.78% | 906 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $411K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.7% | 80.6% | 90th |
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: Terrebonne, LA, ranked 16th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Terrebonne, LA | 1 | $2.3M* | 0.07% | 16th |
Louisiana: 243rd with 0.00% · Houma-Bayou Cane-Thibodaux metro: 21st, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1