| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.1 pts |
| Loan growth (YoY) | +1.9% | -2.6% | +4.5 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 4.3% | 4.4% | -0.1 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 | $14.6M | $12.2M | $9.2M | $2.3M | $49K | 0.67% | 2.66% | 2.81% | 2,329 |
| Q1 2026 | $14.7M | $12.3M | $9.1M | $2.2M | $17K | 0.45% | 2.77% | 2.39% | 2,378 |
| Q4 2025 | $14.4M | $12.1M | $9.2M | $2.2M | $32K | 0.22% | 2.79% | 2.04% | 2,422 |
| Q3 2025 | $14.5M | $12.0M | $9.3M | $2.3M | $85K | 0.78% | 2.80% | 2.46% | 2,414 |
| Q2 2025 | $14.5M | $12.0M | $9.1M | $2.2M | $46K | 0.63% | 2.95% | 1.70% | 2,377 |
| Q1 2025 | $14.4M | $12.0M | $8.6M | $2.2M | $50K | 1.40% | 3.09% | 1.73% | 2,356 |
| Q4 2024 | $14.6M | $12.2M | $8.4M | $2.2M | $25K | 0.17% | 3.18% | 2.05% | 2,394 |
| Q3 2024 | $14.7M | $12.2M | $8.4M | $2.3M | $165K | 1.49% | 3.13% | 2.06% |
| 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 | 4.3% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,366 |
| Q2 2024 | $14.8M | $12.5M | $7.8M | $2.3M | $100K | 1.36% | 2.69% | 2.32% | 2,366 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8.8M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 80.6% | 39th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Vermilion, LA, ranked 11th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Vermilion, LA | 2 | $12.2M* | 1.11% | 11th |
Louisiana: 204th with 0.01% · Lafayette metro: 52nd, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2