| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.6 pts |
| Loan growth (YoY) | +0.8% | -2.6% | +3.4 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 4.9% | 4.4% | +0.5 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 | $46.1M | $37.1M | $30.4M | $8.6M | $210K | 0.91% | 3.94% | 0.32% | 8,201 |
| Q1 2026 | $47.5M | $38.9M | $29.2M | $8.5M | $139K | 1.17% | 3.83% | 0.61% | 8,155 |
| Q4 2025 | $44.8M | $36.2M | $30.7M | $8.3M | $546K | 1.22% | 4.17% | 0.55% | 8,192 |
| Q3 2025 | $45.4M | $36.5M | $31.3M | $8.2M | $430K | 1.26% | 4.06% | 0.74% | 8,152 |
| Q2 2025 | $44.4M | $35.9M | $30.2M | $8.1M | $262K | 1.18% | 4.08% | 0.71% | 8,145 |
| Q1 2025 | $45.5M | $37.2M | $29.6M | $7.9M | $122K | 1.07% | 3.97% | 0.42% | 8,101 |
| Q4 2024 | $42.7M | $34.6M | $30.6M | $7.8M | $681K | 1.59% | 4.31% | 0.90% | 8,082 |
| Q3 2024 | $42.4M | $34.4M | $30.9M | $7.6M | $525K | 1.65% | 4.35% | 0.58% |
| 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 | 4.9% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,960 |
| Q2 2024 | $41.9M | $33.9M | $31.2M | $7.4M | $307K | 1.47% | 4.39% | 0.48% | 7,946 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $25.5M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 80.6% | 40th |
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: Caddo, LA, ranked 27th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, LA | 2 | $24.7M* | 0.34% | 27th |
| Bossier, LA | 1 | $12.4M* | 0.33% | 23rd |
Louisiana: 177th with 0.02% · Shreveport-Bossier City metro: 29th, 0.31% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3