| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | -2.1% | +0.9% | -3.0 pts |
| Loan growth (YoY) | -4.5% | -2.6% | -1.9 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 5.0% | 4.4% | +0.6 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.0M | $44.1M | $34.2M | $6.8M | $170K | 0.67% | 4.35% | 0.54% | 2,496 |
| Q1 2026 | $50.9M | $44.0M | $34.3M | $6.7M | $74K | 0.58% | 4.33% | 0.31% | 2,516 |
| Q4 2025 | $51.8M | $44.9M | $35.5M | $6.6M | $334K | 0.64% | 4.20% | 0.40% | 2,531 |
| Q3 2025 | $52.3M | $45.5M | $35.4M | $6.5M | $247K | 0.63% | 4.11% | 0.30% | 2,557 |
| Q2 2025 | $51.7M | $45.0M | $35.9M | $6.5M | $172K | 0.66% | 4.12% | 0.15% | 2,561 |
| Q1 2025 | $51.1M | $44.5M | $36.2M | $6.4M | $87K | 0.68% | 4.08% | 0.20% | 2,605 |
| Q4 2024 | $50.1M | $43.5M | $35.9M | $6.3M | $290K | 0.58% | 3.98% | 0.62% | 2,597 |
| Q3 2024 | $50.2M | $43.7M | $36.6M | $6.2M | $219K | 0.58% | 3.92% | 0.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,599 |
| Q2 2024 | $49.6M | $43.1M | $36.7M | $6.1M | $134K | 0.54% | 3.91% | 0.46% | 2,611 |
Loan mix (Q2 2026): real estate $22.6M · commercial $1.8M · consumer $8.5M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 80.6% | 55th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Tom Green, TX, ranked 15th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tom Green, TX | 3 | $44.1M* | 1.17% | 15th |
Texas: 635th with 0.00% · San Angelo metro: 15th, 1.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 3