| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.1% | +0.9% | -2.0 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.2 pts |
| ROA | 0.74% | 0.65% | +0.1 pts |
| ROE | 5.0% | 4.4% | +0.6 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.0M | $79.4M | $35.7M | $13.9M | $346K | 0.74% | 3.87% | 1.02% | 6,461 |
| Q1 2026 | $92.8M | $79.4M | $34.0M | $13.8M | $213K | 0.92% | 3.85% | 1.37% | 6,459 |
| Q4 2025 | $91.9M | $78.8M | $34.8M | $13.5M | $784K | 0.85% | 3.85% | 1.19% | 6,455 |
| Q3 2025 | $92.5M | $79.4M | $35.2M | $13.4M | $620K | 0.89% | 3.79% | 0.67% | 6,451 |
| Q2 2025 | $93.1M | $80.2M | $34.8M | $13.2M | $401K | 0.86% | 3.70% | 1.38% | 6,469 |
| Q1 2025 | $93.8M | $81.2M | $34.7M | $12.9M | $191K | 0.82% | 3.61% | 0.45% | 6,495 |
| Q4 2024 | $93.2M | $80.8M | $34.9M | $12.8M | $144K | 0.15% | 3.39% | 0.34% | 6,543 |
| Q3 2024 | $93.9M | $81.7M | $35.1M | $13.0M | $398K | 0.57% | 3.28% | 0.21% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,554 |
| Q2 2024 | $97.9M | $85.8M | $35.1M | $12.9M | $228K | 0.47% | 3.05% | 0.08% | 6,589 |
Loan mix (Q2 2026): real estate $8.4M · commercial $0 · consumer $23.2M · securities $50.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 80.6% | 47th |
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.
4 branches in 3 counties across 2 states (+1 vs 2025). Biggest market: Caddo, LA, ranked 21st with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, LA | 2 | $39.7M* | 0.54% | 21st |
| Bossier, LA | 1 | $19.8M* | 0.53% | 22nd |
| Waukesha, WI | 1 | $19.8M* | 0.08% | 54th |
Louisiana: 148th with 0.04% · Wisconsin: 280th with 0.01% · Shreveport-Bossier City metro: 23rd, 0.49% · Milwaukee-Waukesha metro: 71st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4