| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -2.6% | +0.9% | -3.6 pts |
| Loan growth (YoY) | +17.9% | -2.6% | +20.5 pts |
| ROA | 0.98% | 0.65% | +0.3 pts |
| ROE | 7.2% | 4.4% | +2.9 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $914K | $784K | $568K | $124K | $4K | 0.98% | 2.02% | 0.00% | 109 |
| Q1 2026 | $912K | $788K | $502K | $122K | $2K | 1.04% | 2.68% | 1.42% | 107 |
| Q4 2025 | $913K | $782K | $486K | $120K | $15K | 1.65% | 2.67% | 0.00% | 104 |
| Q3 2025 | $910K | $783K | $459K | $127K | $22K | 3.27% | 3.82% | 0.00% | 100 |
| Q2 2025 | $924K | $805K | $482K | $119K | $14K | 3.05% | 3.56% | 0.00% | 103 |
| Q1 2025 | $909K | $797K | $538K | $112K | $7K | 3.11% | 3.57% | 0.00% | 113 |
| Q4 2024 | $918K | $802K | $575K | $105K | $20K | 2.17% | 2.86% | 0.00% | 107 |
| Q3 2024 | $918K | $807K | $568K | $110K | $25K | 3.69% | 4.29% | 0.00% | 107 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $902K |
| $798K |
| $509K |
| $103K |
| $18K |
| 4.10% |
| 4.71% |
| 0.00% |
| 105 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $412K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 80.6% | 5th |
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: Harris, TX, ranked 171st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 2 | $784K* | 0.00% | 171st |
Texas: 906th with 0.00% · Houston-Pasadena-The Woodlands metro: 206th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2