Chocolate Bayou Community

Alvin, TX · 1 · Charter #15143 · www.chocolatebayou.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$156.0M
74th percentile
Members
11,704
78th percentile
Total loans
$82.0M
66th percentile
Total shares
$135.9M
76th percentile

Profitability

Return on assets
0.58%
22th percentile
Net interest margin
3.75%
55th percentile
Efficiency ratio
84.80%
4th percentile
Non-interest income ratio
31.81%
95th percentile

Capital & Risk

Net worth ratio
12.63%
55th percentile
Delinquency rate
0.61%
57th percentile
Net charge-off rate
0.23%
62th percentile
Loan-to-share
60.30%
36th percentile

Growth

Member growth YoY
-3.23%
22th percentile
Asset growth YoY
4.80%
59th percentile
Loan growth YoY
-4.80%
18th percentile
Share growth YoY
4.45%
60th percentile

Operations

Members / branch
2,926
45th percentile
Assets / member
$13,329
41th percentile
Field of membership penetration
11.70%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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