| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.5 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.9 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.2M | $16.9M | $7.6M | $3.6M | $35K | 0.70% | 2.73% | 0.23% | 1,700 |
| Q4 2025 | $20.2M | $17.0M | $7.5M | $3.6M | $244K | 1.21% | 2.51% | 0.00% | 1,685 |
| Q3 2025 | $20.0M | $16.8M | $7.7M | $3.5M | $177K | 1.18% | 2.51% | 0.00% | 1,681 |
| Q2 2025 | $19.9M | $16.8M | $7.3M | $3.4M | $107K | 1.08% | 2.40% | 0.00% | 1,675 |
| Q1 2025 | $19.9M | $16.8M | $7.2M | $3.4M | $23K | 0.45% | 1.99% | 0.00% | 1,672 |
| Q4 2024 | $19.8M | $16.8M | $7.3M | $3.3M | $135K | 0.68% | 2.44% | 0.00% | 1,666 |
| Q3 2024 | $20.3M | $17.3M | $7.5M | $3.3M | $149K | 0.98% | 2.45% | 0.00% | 1,579 |
| Q2 2024 | $20.4M | $17.4M | $7.6M | $3.2M | $99K | 0.98% | 2.33% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,582 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.7M · securities $9.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 81.5% | 40th |
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 2024). Biggest market: Angelina, TX, ranked 14th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Angelina, TX | 1 | $16.8M* | 0.82% | 14th |
Texas: 728th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1