| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.5% | +1.3% | +10.2 pts |
| Share growth (YoY) | +11.5% | +0.9% | +10.6 pts |
| Loan growth (YoY) | -7.8% | -2.6% | -5.2 pts |
| ROA | 1.02% | 0.65% | +0.4 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.3M | $44.9M | $31.8M | $8.9M | $278K | 1.02% | 4.85% | 0.57% | 4,995 |
| Q1 2026 | $52.9M | $43.9M | $32.6M | $8.7M | $83K | 0.63% | 4.93% | 0.75% | 5,049 |
| Q4 2025 | $50.2M | $41.2M | $33.9M | $8.7M | $1.0M | 2.04% | 5.25% | 1.22% | 5,022 |
| Q3 2025 | $51.7M | $43.0M | $34.2M | $8.4M | $702K | 1.81% | 5.09% | 0.71% | 4,992 |
| Q2 2025 | $48.7M | $40.3M | $34.5M | $8.1M | $470K | 1.93% | 5.35% | 0.42% | 4,995 |
| Q1 2025 | $50.6M | $42.4M | $35.3M | $7.9M | $277K | 2.19% | 5.10% | 0.71% | 5,040 |
| Q4 2024 | $48.0M | $39.9M | $35.5M | $7.7M | $900K | 1.87% | 5.15% | 0.78% | 4,999 |
| Q3 2024 | $48.0M | $40.1M | $36.0M | $7.5M | $743K | 2.06% | 5.07% | 0.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,942 |
| Q2 2024 | $48.1M | $40.5M | $34.5M | $7.2M | $414K | 1.72% | 4.91% | 0.77% | 4,890 |
Loan mix (Q2 2026): real estate $8.5M · commercial $2.5M · consumer $16.3M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 80.6% | 33rd |
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: Walker, TX, ranked 7th with 3.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Walker, TX | 1 | $44.9M* | 3.44% | 7th |
Texas: 631st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1