| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | +0.4% | +0.9% | -0.6 pts |
| Loan growth (YoY) | -4.2% | -2.6% | -1.6 pts |
| ROA | 0.46% | 0.65% | -0.2 pts |
| ROE | 4.8% | 4.4% | +0.4 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.7M | $38.4M | $23.6M | $4.0M | $97K | 0.46% | 4.15% | 2.24% | 3,419 |
| Q1 2026 | $42.5M | $38.2M | $24.1M | $4.0M | $45K | 0.42% | 4.15% | 0.15% | 3,400 |
| Q4 2025 | $42.3M | $38.2M | $24.2M | $3.9M | $171K | 0.41% | 4.31% | 0.37% | 3,370 |
| Q3 2025 | $43.1M | $38.8M | $24.1M | $4.0M | $175K | 0.54% | 4.20% | 0.46% | 3,343 |
| Q2 2025 | $42.4M | $38.2M | $24.6M | $3.9M | $137K | 0.65% | 4.20% | 0.84% | 3,322 |
| Q1 2025 | $41.5M | $37.4M | $24.7M | $3.9M | $109K | 1.05% | 4.30% | 1.03% | 3,329 |
| Q4 2024 | $42.0M | $38.0M | $25.1M | $3.8M | $247K | 0.59% | 4.05% | 1.02% | 3,316 |
| Q3 2024 | $42.8M | $38.7M | $26.6M | $3.8M | $196K | 0.61% | 3.88% | 0.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,303 |
| Q2 2024 | $41.4M | $37.4M | $27.0M | $3.7M | $132K | 0.64% | 3.96% | 0.33% | 3,279 |
Loan mix (Q2 2026): real estate $9.7M · commercial $0 · consumer $12.4M · securities $13.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 80.6% | 72nd |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Travis, TX, ranked 66th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Travis, TX | 1 | $38.4M* | 0.06% | 66th |
Texas: 649th with 0.00% · Austin-Round Rock-San Marcos metro: 85th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1