| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.0% | +0.9% | -4.9 pts |
| Loan growth (YoY) | -4.4% | -2.6% | -1.8 pts |
| ROA | -0.01% | 0.65% | -0.7 pts |
| ROE | -0.1% | 4.4% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.4M | $23.8M | $16.8M | $4.5M | $-1K | -0.01% | 4.27% | 1.04% | 3,083 |
| Q1 2026 | $28.3M | $23.8M | $15.8M | $4.5M | $-61K | -0.86% | 4.26% | 0.95% | 3,091 |
| Q4 2025 | $28.2M | $23.8M | $15.9M | $4.5M | $39K | 0.14% | 4.29% | 1.61% | 3,119 |
| Q3 2025 | $29.2M | $24.6M | $16.7M | $4.6M | $64K | 0.29% | 4.15% | 1.38% | 3,046 |
| Q2 2025 | $29.4M | $24.8M | $17.5M | $4.5M | $16K | 0.11% | 4.04% | 1.70% | 3,091 |
| Q1 2025 | $29.7M | $25.1M | $18.0M | $4.6M | $43K | 0.57% | 4.03% | 1.92% | 3,124 |
| Q4 2024 | $28.3M | $23.7M | $18.8M | $4.5M | $110K | 0.39% | 3.99% | 1.27% | 3,107 |
| Q3 2024 | $27.4M | $22.9M | $19.7M | $4.6M | $169K | 0.82% | 4.43% | 0.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,097 |
| Q2 2024 | $27.5M | $22.9M | $20.0M | $4.5M | $103K | 0.75% | 4.41% | 1.60% | 3,106 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $14.7M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 80.6% | 64th |
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 (+2 vs 2025). Biggest market: Smith, TX, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Smith, TX | 2 | $15.9M* | 0.15% | 33rd |
| Salt Lake, UT | 1 | $7.9M* | 0.00% | 118th |
Texas: 753rd with 0.00% · Utah: 144th with 0.00% · Tyler metro: 33rd, 0.15% · Salt Lake City-Murray metro: 118th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3