| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +1.3% | +10.8 pts |
| Share growth (YoY) | +10.9% | +0.9% | +10.0 pts |
| Loan growth (YoY) | -14.4% | -2.6% | -11.8 pts |
| ROA | 1.15% | 0.65% | +0.5 pts |
| ROE | 7.7% | 4.4% | +3.3 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $883K | $120K | $155K | $6K | 1.15% | 3.92% | 5.94% | 499 |
| Q1 2026 | $1000K | $847K | $140K | $152K | $2K | 0.95% | 4.29% | 5.32% | 499 |
| Q4 2025 | $978K | $826K | $139K | $151K | $10K | 1.02% | 4.58% | 6.79% | 499 |
| Q3 2025 | $982K | $832K | $143K | $149K | $8K | 1.08% | 4.60% | 0.00% | 497 |
| Q2 2025 | $927K | $796K | $140K | $130K | $5K | 1.07% | 4.48% | 0.00% | 498 |
| Q1 2025 | $916K | $786K | $152K | $129K | $4K | 1.63% | 4.27% | 0.96% | 499 |
| Q4 2024 | $962K | $837K | $169K | $123K | $11K | 1.12% | 4.10% | 6.58% | 506 |
| Q3 2024 | $936K | $816K | $178K | $119K | $6K | 0.88% | 4.19% | 6.47% | 504 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $935K |
| $817K |
| $176K |
| $117K |
| $4K |
| 0.92% |
| 4.10% |
| 7.61% |
| 503 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $120K · securities $478K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 80.6% | 29th |
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 (+1 vs 2025). Biggest market: Orleans, LA, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orleans, LA | 2 | $883K* | 0.00% | 47th |
Louisiana: 251st with 0.00% · New Orleans-Metairie metro: 72nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2