| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.5 pts |
| Loan growth (YoY) | +6.4% | -2.6% | +9.0 pts |
| ROA | 0.07% | 0.65% | -0.6 pts |
| ROE | 0.8% | 4.4% | -3.6 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.7M | $23.3M | $22.4M | $2.7M | $10K | 0.07% | 5.28% | 0.61% | 1,834 |
| Q1 2026 | $27.1M | $24.0M | $21.9M | $2.6M | $-20K | -0.30% | 5.25% | 0.37% | 1,827 |
| Q4 2025 | $26.3M | $23.4M | $22.1M | $2.6M | $-17K | -0.06% | 5.16% | 0.95% | 2,146 |
| Q3 2025 | $26.6M | $23.7M | $21.4M | $2.7M | $35K | 0.18% | 5.00% | 1.13% | 2,149 |
| Q2 2025 | $26.1M | $23.2M | $21.0M | $2.7M | $26K | 0.20% | 5.14% | 1.67% | 2,138 |
| Q1 2025 | $24.4M | $20.4M | $20.7M | $2.7M | $7K | 0.11% | 5.28% | 2.18% | 2,118 |
| Q4 2024 | $23.2M | $20.2M | $20.4M | $2.7M | $105K | 0.45% | 5.62% | 1.57% | 2,100 |
| Q3 2024 | $23.6M | $20.2M | $20.5M | $2.7M | $127K | 0.71% | 5.51% | 1.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,096 |
| Q2 2024 | $23.4M | $20.6M | $20.0M | $2.7M | $86K | 0.73% | 5.55% | 1.02% | 2,078 |
Loan mix (Q2 2026): real estate $782K · commercial $0 · consumer $18.9M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 80.6% | 79th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Kerr, TX, ranked 16th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kerr, TX | 1 | $11.7M* | 0.56% | 16th |
| Mobile, AL | 1 | $11.7M* | 0.09% | 46th |
Alabama: 214th with 0.01% · Texas: 783rd with 0.00% · Mobile metro: 46th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2