| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +1.3% | +13.6 pts |
| Share growth (YoY) | +12.9% | +0.7% | +12.3 pts |
| Loan growth (YoY) | +11.3% | -2.4% | +13.6 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.2M | $62.6M | $49.8M | $9.9M | $60K | 0.33% | 4.57% | 0.79% | 9,943 |
| Q4 2025 | $70.5M | $59.8M | $49.9M | $9.9M | $380K | 0.54% | 4.36% | 0.82% | 9,920 |
| Q3 2025 | $71.7M | $61.2M | $48.9M | $9.6M | $85K | 0.16% | 4.20% | 0.46% | 9,882 |
| Q2 2025 | $62.5M | $53.9M | $45.3M | $7.3M | $16K | 0.05% | 4.49% | 0.32% | 9,101 |
| Q1 2025 | $63.8M | $55.4M | $44.7M | $7.3M | $11K | 0.07% | 4.29% | 0.48% | 9,028 |
| Q4 2024 | $62.2M | $53.9M | $44.4M | $7.3M | $197K | 0.32% | 4.21% | 0.35% | 8,973 |
| Q3 2024 | $58.9M | $50.6M | $44.0M | $7.7M | $312K | 0.71% | 4.38% | 0.14% | 9,010 |
| Q2 2024 | $55.8M | $47.5M | $41.1M | $7.5M | $182K | 0.65% | 4.48% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,952 |
Loan mix (Q1 2026): real estate $522K · commercial $8.9M · consumer $34.1M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 81.5% | 61st |
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.
7 branches in 7 counties across 1 state (+1 vs 2024). Biggest market: Lynn, TX, ranked 4th with 6.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lynn, TX | 1 | $7.7M* | 6.38% | 4th |
| Crosby, TX | 1 | $7.7M* | 6.40% | 3rd |
| Floyd, TX | 1 | $7.7M* | 2.80% | 5th |
| 4 more counties with Pro → | ||||
Texas: 602nd with 0.00% · Lubbock metro: 35th, 0.12% · Amarillo metro: 26th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 6 · 2025 7