| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +1.3% | -7.7 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.3 pts |
| Loan growth (YoY) | -14.7% | -2.6% | -12.1 pts |
| ROA | -1.85% | 0.65% | -2.5 pts |
| ROE | -7.5% | 4.4% | -11.9 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.4M | $1.8M | $1.6M | $594K | $-22K | -1.85% | 6.59% | 10.77% | 1,104 |
| Q1 2026 | $2.4M | $1.8M | $1.5M | $601K | $-15K | -2.45% | 6.66% | 5.95% | 1,093 |
| Q4 2025 | $2.4M | $1.8M | $1.7M | $616K | $-62K | -2.58% | 7.59% | 6.65% | 1,092 |
| Q3 2025 | $2.5M | $1.8M | $1.7M | $666K | $-13K | -0.69% | 7.48% | 7.66% | 1,089 |
| Q2 2025 | $2.6M | $1.9M | $1.8M | $668K | $-11K | -0.82% | 7.30% | 8.32% | 1,085 |
| Q1 2025 | $2.7M | $2.0M | $1.8M | $678K | $-790 | -0.12% | 7.28% | 8.51% | 1,089 |
| Q4 2024 | $2.4M | $1.7M | $1.9M | $678K | $31K | 1.27% | 8.05% | 8.66% | 1,087 |
| Q3 2024 | $2.5M | $1.8M | $1.9M | $691K | $69K | 3.65% | 7.83% | 10.57% | 1,086 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.85% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -7.5% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.5M | $1.8M | $1.9M | $687K | $40K | 3.12% | 7.74% | 8.83% | 1,092 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $10K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.7% | 80.6% | 92nd |
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: West Baton Rouge, LA, ranked 9th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| West Baton Rouge, LA | 1 | $1.8M* | 0.26% | 9th |
Louisiana: 245th with 0.00% · Baton Rouge metro: 69th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1