| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.1% | +2.1 pts |
| Share growth (YoY) | +5.8% | +3.5% | +2.3 pts |
| Loan growth (YoY) | +4.0% | +2.9% | +1.2 pts |
| ROA | 0.85% | 0.74% | +0.1 pts |
| ROE | 6.0% | 6.5% | -0.5 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $220.5M | $189.3M | $136.2M | $31.5M | $942K | 0.85% | 3.18% | 0.61% | 14,663 |
| Q1 2026 | $221.5M | $190.6M | $134.1M | $31.0M | $428K | 0.77% | 3.10% | 0.49% | 14,934 |
| Q4 2025 | $215.5M | $183.8M | $136.3M | $30.5M | $2.4M | 1.13% | 3.04% | 0.62% | 14,893 |
| Q3 2025 | $213.3M | $181.3M | $132.7M | $29.9M | $1.7M | 1.08% | 3.02% | 0.61% | 14,843 |
| Q2 2025 | $207.5M | $178.9M | $130.9M | $29.3M | $1.2M | 1.11% | 3.05% | 0.47% | 14,743 |
| Q1 2025 | $211.6M | $184.0M | $129.7M | $28.7M | $502K | 0.95% | 2.84% | 0.26% | 14,802 |
| Q4 2024 | $205.7M | $179.4M | $125.1M | $28.2M | $1.6M | 0.80% | 2.38% | 0.46% | 14,680 |
| Q3 2024 | $200.9M | $173.7M | $120.0M | $27.8M | $1.2M | 0.80% | 2.37% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.74% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.5% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 14,532 |
| Q2 2024 | $194.5M | $168.7M | $119.7M | $27.4M | $737K | 0.76% | 2.37% | 0.28% | 14,431 |
Loan mix (Q2 2026): real estate $50.6M · commercial $1.2M · consumer $76.3M · securities $65.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 77.5% | 29th |
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: Wharton, TX, ranked 4th with 10.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wharton, TX | 2 | $189.3M* | 9.98% | 4th |
Texas: 414th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2