| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -4.7% | +0.9% | -5.6 pts |
| Loan growth (YoY) | -8.6% | -2.6% | -5.9 pts |
| ROA | 1.97% | 0.65% | +1.3 pts |
| ROE | 12.5% | 4.4% | +8.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.6M | $24.7M | $23.7M | $4.7M | $291K | 1.97% | 4.45% | 0.08% | 1,318 |
| Q1 2026 | $28.5M | $24.0M | $24.0M | $4.6M | $218K | 3.05% | 4.69% | 0.47% | 1,362 |
| Q4 2025 | $28.1M | $23.7M | $24.4M | $4.4M | $11K | 0.04% | 4.73% | 0.65% | 1,376 |
| Q3 2025 | $29.3M | $25.1M | $24.0M | $4.5M | $-50K | -0.23% | 4.52% | 0.26% | 1,375 |
| Q2 2025 | $30.1M | $25.9M | $26.0M | $4.5M | $-77K | -0.51% | 4.38% | 0.55% | 1,384 |
| Q1 2025 | $31.2M | $26.8M | $25.9M | $4.6M | $8K | 0.10% | 4.16% | 0.14% | 1,420 |
| Q4 2024 | $31.9M | $27.4M | $27.2M | $4.6M | $3K | 0.01% | 4.33% | 3.88% | 1,429 |
| Q3 2024 | $32.3M | $27.8M | $28.6M | $4.9M | $41K | 0.17% | 4.34% | 1.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 4.4% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,432 |
| Q2 2024 | $33.3M | $28.7M | $30.7M | $4.8M | $10K | 0.06% | 4.17% | 0.13% | 1,441 |
Loan mix (Q2 2026): real estate $22.1M · commercial $252K · consumer $859K · securities $770K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 80.6% | 26th |
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: Bexar, TX, ranked 59th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bexar, TX | 1 | $24.7M* | 0.01% | 59th |
Texas: 700th with 0.00% · San Antonio-New Braunfels metro: 78th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1