| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +1.3% | +10.4 pts |
| Share growth (YoY) | +11.6% | +0.9% | +10.7 pts |
| Loan growth (YoY) | +2.4% | -2.6% | +5.1 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.7M | $26.5M | $15.3M | $3.0M | $59K | 0.40% | 4.12% | 0.41% | 2,396 |
| Q1 2026 | $27.3M | $24.2M | $14.8M | $3.0M | $14K | 0.21% | 4.42% | 1.11% | 2,426 |
| Q4 2025 | $27.9M | $24.7M | $14.9M | $3.0M | $203K | 0.73% | 4.29% | 0.23% | 2,416 |
| Q3 2025 | $27.3M | $24.3M | $15.0M | $2.9M | $119K | 0.58% | 4.34% | 0.30% | 2,399 |
| Q2 2025 | $26.6M | $23.7M | $14.9M | $2.8M | $61K | 0.46% | 4.31% | 0.12% | 2,380 |
| Q1 2025 | $27.3M | $24.4M | $14.7M | $2.8M | $29K | 0.43% | 3.94% | 0.37% | 2,698 |
| Q4 2024 | $25.4M | $22.6M | $14.5M | $2.7M | $1.2M | 4.85% | 4.27% | 0.89% | 2,686 |
| Q3 2024 | $25.1M | $23.3M | $15.3M | $1.6M | $103K | 0.55% | 4.32% | 1.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,704 |
| Q2 2024 | $24.0M | $22.3M | $16.2M | $1.6M | $47K | 0.39% | 4.38% | 1.04% | 2,696 |
Loan mix (Q2 2026): real estate $126K · commercial $0 · consumer $14.3M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 80.6% | 70th |
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: Dallas, TX, ranked 131st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 1 | $26.5M* | 0.01% | 131st |
Texas: 694th with 0.00% · Dallas-Fort Worth-Arlington metro: 224th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1