| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +7.7% | +0.9% | +6.7 pts |
| Loan growth (YoY) | -19.6% | -2.6% | -17.0 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 4.3% | 4.4% | -0.1 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.1M | $1.7M | $1.1M | $453K | $10K | 0.91% | 5.80% | 6.76% | 462 |
| Q1 2026 | $1.9M | $1.4M | $1.1M | $446K | $3K | 0.58% | 6.54% | 8.82% | 469 |
| Q4 2025 | $1.8M | $1.4M | $1.2M | $443K | $28K | 1.52% | 7.22% | 8.60% | 470 |
| Q3 2025 | $1.9M | $1.4M | $1.3M | $440K | $25K | 1.74% | 6.91% | 8.46% | 466 |
| Q2 2025 | $2.0M | $1.6M | $1.3M | $430K | $14K | 1.43% | 6.52% | 8.34% | 458 |
| Q1 2025 | $2.1M | $1.6M | $1.4M | $426K | $11K | 2.07% | 6.46% | 8.84% | 458 |
| Q4 2024 | $2.1M | $1.6M | $1.5M | $416K | $22K | 1.06% | 6.21% | 5.28% | 460 |
| Q3 2024 | $1.9M | $1.4M | $1.5M | $409K | $15K | 1.10% | 6.68% | 4.92% | 450 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.8M |
| $1.4M |
| $1.4M |
| $398K |
| $4K |
| 0.49% |
| 6.62% |
| 4.11% |
| 446 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $880K · securities $750K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 80.6% | 46th |
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: Yoakum, TX, ranked 8th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Yoakum, TX | 1 | $1.7M* | 0.44% | 8th |
Texas: 896th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1