| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +1.3% | +10.6 pts |
| Share growth (YoY) | +12.7% | +0.7% | +12.0 pts |
| Loan growth (YoY) | +11.4% | -2.4% | +13.8 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.3M | $19.8M | $22.7M | $5.3M | $16K | 0.24% | 4.53% | 2.70% | 2,125 |
| Q4 2025 | $25.5M | $19.7M | $20.6M | $5.7M | $206K | 0.81% | 4.74% | 3.41% | 2,091 |
| Q3 2025 | $26.7M | $21.7M | $20.1M | $5.6M | $131K | 0.65% | 4.42% | 2.00% | 2,036 |
| Q2 2025 | $22.6M | $16.6M | $20.7M | $5.5M | $59K | 0.52% | 5.06% | 5.60% | 2,033 |
| Q1 2025 | $23.5M | $17.6M | $20.4M | $5.8M | $36K | 0.62% | 4.82% | 5.68% | 2,032 |
| Q4 2024 | $21.3M | $15.1M | $19.5M | $5.8M | $252K | 1.18% | 5.35% | 6.72% | 2,015 |
| Q3 2024 | $21.2M | $15.3M | $19.4M | $5.8M | $195K | 1.22% | 5.34% | 2.94% | 1,935 |
| Q2 2024 | $21.0M | $15.3M | $18.9M | $5.7M | $116K | 1.10% | 5.35% | 1.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,552 |
Loan mix (Q1 2026): real estate $9.0M · commercial $0 · consumer $9.8M · securities $769K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 81.5% | 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 2024). Biggest market: Harris, TX, ranked 134th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $16.6M* | 0.01% | 134th |
Texas: 729th with 0.00% · Houston-Pasadena-The Woodlands metro: 162nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1