| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +7.8% | +0.9% | +6.9 pts |
| Loan growth (YoY) | +2.0% | -2.6% | +4.6 pts |
| ROA | 0.56% | 0.65% | -0.1 pts |
| ROE | 4.4% | 4.4% | +0.0 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.4M | $8.3M | $5.2M | $1.2M | $27K | 0.56% | 4.45% | 0.04% | 1,223 |
| Q1 2026 | $8.8M | $7.7M | $5.2M | $1.2M | $19K | 0.87% | 4.61% | 2.41% | 1,233 |
| Q4 2025 | $8.9M | $7.6M | $5.3M | $1.2M | $49K | 0.55% | 4.76% | 2.35% | 1,244 |
| Q3 2025 | $8.7M | $7.6M | $5.3M | $1.2M | $36K | 0.54% | 4.80% | 0.00% | 1,245 |
| Q2 2025 | $8.9M | $7.7M | $5.1M | $1.2M | $31K | 0.69% | 4.65% | 0.14% | 1,240 |
| Q1 2025 | $8.8M | $7.7M | $4.9M | $1.2M | $27K | 1.24% | 4.70% | 0.00% | 1,232 |
| Q4 2024 | $8.9M | $7.7M | $5.4M | $1.1M | $-17K | -0.19% | 4.84% | 0.50% | 1,239 |
| Q3 2024 | $9.2M | $8.1M | $5.3M | $1.1M | $-22K | -0.32% | 4.65% | 0.00% | 1,244 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.1M | $7.9M | $5.2M | $1.1M | $-26K | -0.58% | 4.55% | 0.20% | 1,248 |
Loan mix (Q2 2026): real estate $122K · commercial $0 · consumer $4.6M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 80.6% | 81st |
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: Victoria, TX, ranked 16th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Victoria, TX | 1 | $8.3M* | 0.28% | 16th |
Texas: 818th with 0.00% · Victoria metro: 17th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1