| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.9% | — |
| Share growth (YoY) | — | +3.3% | — |
| Loan growth (YoY) | — | +2.9% | — |
| ROA | 0.52% | 0.69% | -0.2 pts |
| ROE | 4.9% | 5.9% | -1.0 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $447.0M | $391.8M | $316.5M | $47.2M | $579K | 0.52% | 3.29% | 0.28% | 36,472 |
| Q4 2025 | $442.2M | $388.3M | $311.3M | $46.6M | $2.8M | 0.62% | 3.16% | 0.54% | 35,971 |
| Q3 2025 | $435.4M | $380.4M | $309.4M | $45.8M | $1.9M | 0.59% | 3.13% | 0.54% | 35,467 |
| Q2 2025 | $423.1M | $368.4M | $308.0M | $44.9M | $991K | 0.47% | 3.15% | 0.28% | 34,924 |
| Q1 2025 | $419.7M | $368.1M | $297.9M | $44.3M | $407K | 0.39% | 3.01% | 0.33% | 34,535 |
| Q4 2024 | $415.6M | $366.4M | $305.3M | $43.9M | $1.6M | 0.37% | 2.74% | 0.50% | 34,732 |
| Q3 2024 | $412.6M | $362.4M | $314.2M | $43.6M | $1.2M | 0.38% | 2.70% | 0.47% | 34,339 |
| Q2 2024 | $410.4M | $357.1M | $315.1M | $43.2M | $819K | 0.40% | 2.62% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | — | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | — | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | — |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 34,177 |
Loan mix (Q1 2026): real estate $104.0M · commercial $0 · consumer $205.0M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | — | 82nd |
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.
6 branches in 4 counties across 1 state (+1 vs 2024). Biggest market: Lubbock, TX, ranked 14th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lubbock, TX | 3 | $184.2M* | 1.56% | 14th |
| Midland, TX | 1 | $61.4M* | 0.60% | 19th |
| Taylor, TX | 1 | $61.4M* | 1.10% | 12th |
| 1 more county with Pro → | ||||
Texas: 276th with 0.02% · Lubbock metro: 14th, 1.43% · Midland metro: 20th, 0.58% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 6