| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.5 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.6 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.3M | $2.8M | $2.2M | $522K | $4K | 0.47% | 2.78% | 0.00% | 476 |
| Q4 2025 | $3.3M | $2.8M | $2.3M | $518K | $21K | 0.64% | 2.62% | 0.00% | 471 |
| Q3 2025 | $3.3M | $2.8M | $2.2M | $511K | $14K | 0.57% | 2.58% | 0.00% | 473 |
| Q2 2025 | $3.3M | $2.8M | $2.3M | $503K | $6K | 0.39% | 2.45% | 0.00% | 471 |
| Q1 2025 | $3.3M | $2.8M | $2.1M | $500K | $3K | 0.39% | 2.46% | 0.02% | 481 |
| Q4 2024 | $3.2M | $2.7M | $2.2M | $497K | $4K | 0.13% | 2.06% | 0.00% | 485 |
| Q3 2024 | $3.1M | $2.6M | $2.2M | $494K | $2K | 0.08% | 2.11% | 0.00% | 488 |
| Q2 2024 | $3.1M | $2.6M | $2.4M | $491K | $-2K | -0.14% | 1.90% | 0.18% | 491 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $621K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 81.5% | 54th |
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: Orange, TX, ranked 15th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, TX | 1 | $2.8M* | 0.15% | 15th |
Texas: 847th with 0.00% · Beaumont-Port Arthur metro: 36th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1