| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.3 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.3 pts |
| ROA | 0.16% | 0.65% | -0.5 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.3M | $50.1M | $18.8M | $4.1M | $42K | 0.16% | 3.18% | 0.20% | 4,368 |
| Q1 2026 | $55.1M | $51.0M | $17.7M | $4.0M | $-26K | -0.19% | 2.67% | 0.15% | 4,429 |
| Q4 2025 | $53.3M | $49.3M | $17.5M | $4.0M | $-325K | -0.61% | 2.50% | 0.26% | 4,481 |
| Q3 2025 | $55.0M | $51.0M | $18.6M | $4.1M | $-298K | -0.72% | 2.33% | 0.35% | 4,619 |
| Q2 2025 | $56.3M | $52.4M | $19.3M | $4.2M | $-212K | -0.75% | 2.20% | 0.22% | 5,479 |
| Q1 2025 | $61.4M | $57.7M | $20.1M | $4.5M | $-75K | -0.49% | 2.23% | 0.16% | 5,541 |
| Q4 2024 | $59.8M | $56.2M | $20.3M | $4.5M | $-362K | -0.61% | 2.16% | 0.12% | 5,541 |
| Q3 2024 | $60.7M | $57.1M | $20.9M | $4.6M | $-274K | -0.60% | 2.12% | 0.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,610 |
| Q2 2024 | $60.1M | $57.2M | $21.5M | $4.7M | $-192K | -0.64% | 2.07% | 0.52% | 5,686 |
Loan mix (Q2 2026): real estate $2.9M · commercial $0 · consumer $15.2M · securities $28.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.0% | 80.6% | 83rd |
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 1 state (+0 vs 2025). Biggest market: St. Charles, LA, ranked 7th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Charles, LA | 2 | $33.4M* | 3.74% | 7th |
| St. John the Baptist, LA | 1 | $16.7M* | 3.11% | 7th |
Louisiana: 161st with 0.03% · New Orleans-Metairie metro: 40th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3