| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.8 pts |
| Share growth (YoY) | +7.6% | +0.9% | +6.6 pts |
| Loan growth (YoY) | -9.8% | -2.6% | -7.2 pts |
| ROA | 0.22% | 0.65% | -0.4 pts |
| ROE | 2.3% | 4.4% | -2.1 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.9M | $79.4M | $21.1M | $8.3M | $97K | 0.22% | 2.97% | 1.84% | 6,623 |
| Q1 2026 | $89.0M | $79.8M | $21.2M | $8.2M | $17K | 0.08% | 2.95% | 2.00% | 6,783 |
| Q4 2025 | $86.2M | $77.0M | $21.6M | $8.2M | $269K | 0.31% | 3.28% | 1.93% | 6,788 |
| Q3 2025 | $85.2M | $76.0M | $22.3M | $8.2M | $237K | 0.37% | 3.27% | 1.87% | 6,791 |
| Q2 2025 | $83.1M | $73.9M | $23.5M | $8.2M | $226K | 0.55% | 3.36% | 2.07% | 6,789 |
| Q1 2025 | $81.7M | $72.9M | $24.4M | $8.0M | $57K | 0.28% | 3.30% | 1.82% | 7,062 |
| Q4 2024 | $77.4M | $68.8M | $25.7M | $7.9M | $296K | 0.38% | 3.17% | 1.51% | 7,044 |
| Q3 2024 | $76.5M | $67.9M | $27.2M | $7.8M | $174K | 0.30% | 3.12% | 1.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,044 |
| Q2 2024 | $78.1M | $69.4M | $28.7M | $7.8M | $98K | 0.25% | 2.91% | 2.12% | 7,034 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $18.0M · securities $50.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 80.6% | 72nd |
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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Lubbock, TX, ranked 26th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lubbock, TX | 2 | $53.0M* | 0.38% | 26th |
| Hale, TX | 1 | $26.5M* | 3.25% | 8th |
Texas: 559th with 0.00% · Lubbock metro: 29th, 0.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3