| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +1.3% | +10.5 pts |
| Share growth (YoY) | +12.3% | +0.9% | +11.3 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.4 pts |
| ROA | 0.97% | 0.65% | +0.3 pts |
| ROE | 11.8% | 4.4% | +7.4 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $99.2M | $90.4M | $62.9M | $8.1M | $481K | 0.97% | 3.51% | 0.23% | 6,569 |
| Q1 2026 | $95.3M | $86.6M | $63.7M | $7.9M | $229K | 0.96% | 3.59% | 0.23% | 6,727 |
| Q4 2025 | $92.4M | $84.0M | $64.8M | $7.7M | $736K | 0.80% | 3.47% | 0.09% | 6,708 |
| Q3 2025 | $88.6M | $80.4M | $64.9M | $7.4M | $472K | 0.71% | 3.53% | 0.09% | 6,690 |
| Q2 2025 | $88.8M | $80.5M | $63.1M | $7.2M | $262K | 0.59% | 3.40% | 0.10% | 6,654 |
| Q1 2025 | $87.6M | $79.7M | $61.4M | $7.1M | $128K | 0.59% | 3.33% | 0.03% | 6,744 |
| Q4 2024 | $85.4M | $77.5M | $61.6M | $6.9M | $441K | 0.52% | 3.16% | 0.12% | 6,730 |
| Q3 2024 | $84.3M | $76.7M | $60.5M | $6.8M | $312K | 0.49% | 3.13% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,714 |
| Q2 2024 | $83.4M | $75.8M | $61.4M | $6.7M | $161K | 0.39% | 3.04% | 0.06% | 6,700 |
Loan mix (Q2 2026): real estate $12.2M · commercial $2.3M · consumer $44.7M · securities $22.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 80.6% | 35th |
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 (+0 vs 2025). Biggest market: Nueces, TX, ranked 19th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nueces, TX | 2 | $90.4M* | 0.88% | 19th |
Texas: 538th with 0.01% · Corpus Christi metro: 20th, 0.70% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2