| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.3 pts |
| Share growth (YoY) | -5.2% | +0.9% | -6.2 pts |
| Loan growth (YoY) | -12.0% | -2.6% | -9.4 pts |
| ROA | 1.24% | 0.65% | +0.6 pts |
| ROE | 8.9% | 4.4% | +4.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.7M | $1.5M | $453K | $237K | $11K | 1.24% | 3.71% | 2.18% | 367 |
| Q1 2026 | $1.6M | $1.4M | $491K | $229K | $3K | 0.63% | 3.58% | 3.65% | 368 |
| Q4 2025 | $1.6M | $1.4M | $507K | $226K | $98K | 6.12% | 4.45% | 3.07% | 377 |
| Q3 2025 | $1.7M | $1.5M | $497K | $210K | $81K | 6.30% | 3.88% | 4.40% | 383 |
| Q2 2025 | $1.7M | $1.5M | $515K | $208K | $79K | 9.05% | 4.13% | 4.39% | 382 |
| Q1 2025 | $1.7M | $1.6M | $509K | $124K | $-4K | -1.06% | 3.02% | 1.60% | 380 |
| Q4 2024 | $1.6M | $1.5M | $577K | $129K | $-30K | -1.88% | 3.48% | 3.13% | 385 |
| Q3 2024 | $1.6M | $1.5M | $556K | $119K | $-40K | -3.31% | 3.27% | 7.58% | 386 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.6M | $1.5M | $514K | $131K | $-28K | -3.51% | 2.47% | 9.63% | 381 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $451K · securities $962K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 80.6% | 21st |
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: Orleans, LA, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orleans, LA | 1 | $1.5M* | 0.01% | 45th |
Louisiana: 247th with 0.00% · New Orleans-Metairie metro: 70th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1