| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +4.1% | -6.6 pts |
| Share growth (YoY) | -3.7% | +3.5% | -7.3 pts |
| Loan growth (YoY) | -12.0% | +2.9% | -14.8 pts |
| ROA | 1.54% | 0.74% | +0.8 pts |
| ROE | 10.4% | 6.5% | +3.9 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $128.1M | $108.5M | $51.1M | $19.0M | $986K | 1.54% | 3.47% | 0.96% | 8,352 |
| Q1 2026 | $131.9M | $112.0M | $55.2M | $18.5M | $502K | 1.52% | 3.28% | 0.73% | 8,418 |
| Q4 2025 | $132.1M | $112.9M | $55.5M | $18.0M | $1.2M | 0.92% | 2.81% | 0.78% | 8,533 |
| Q3 2025 | $131.0M | $112.2M | $55.3M | $17.7M | $918K | 0.93% | 2.73% | 0.75% | 8,588 |
| Q2 2025 | $131.3M | $112.7M | $58.0M | $17.3M | $564K | 0.86% | 2.59% | 0.28% | 8,573 |
| Q1 2025 | $132.1M | $113.5M | $57.9M | $17.0M | $232K | 0.70% | 2.43% | 0.15% | 8,607 |
| Q4 2024 | $129.5M | $111.2M | $57.2M | $16.8M | $604K | 0.47% | 2.23% | 0.18% | 8,578 |
| Q3 2024 | $130.2M | $112.2M | $58.4M | $16.6M | $420K | 0.43% | 2.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.74% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 6.5% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.19% |
| 8,559 |
| Q2 2024 | $131.0M | $112.8M | $56.6M | $16.4M | $244K | 0.37% | 2.10% | 0.08% | 8,500 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $45.7M · securities $67.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 77.5% | 8th |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Grayson, TX, ranked 12th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grayson, TX | 2 | $72.3M* | 1.64% | 12th |
| Bryan, OK | 1 | $36.2M* | 0.92% | 6th |
Texas: 572nd with 0.00% · Oklahoma: 218th with 0.02% · Sherman-Denison metro: 12th, 1.64% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3