| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.6 pts |
| Share growth (YoY) | +9.3% | +0.9% | +8.3 pts |
| Loan growth (YoY) | -8.5% | -2.6% | -5.9 pts |
| ROA | 1.74% | 0.65% | +1.1 pts |
| ROE | 14.8% | 4.4% | +10.4 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.1M | $68.9M | $45.1M | $9.2M | $678K | 1.74% | 4.00% | 0.47% | 4,752 |
| Q1 2026 | $77.1M | $68.2M | $46.6M | $8.8M | $323K | 1.68% | 4.03% | 0.49% | 4,750 |
| Q4 2025 | $76.1M | $67.5M | $48.0M | $8.5M | $1.2M | 1.60% | 3.96% | 0.68% | 4,716 |
| Q3 2025 | $73.8M | $65.6M | $48.4M | $8.2M | $917K | 1.66% | 4.03% | 0.66% | 4,751 |
| Q2 2025 | $71.1M | $63.0M | $49.3M | $7.9M | $641K | 1.80% | 4.18% | 0.60% | 4,731 |
| Q1 2025 | $69.7M | $62.0M | $48.7M | $7.6M | $308K | 1.77% | 4.22% | 0.64% | 4,685 |
| Q4 2024 | $66.8M | $59.4M | $48.9M | $7.3M | $1.1M | 1.58% | 4.10% | 0.40% | 4,650 |
| Q3 2024 | $66.7M | $59.6M | $50.1M | $7.0M | $788K | 1.57% | 4.03% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 4.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,719 |
| Q2 2024 | $64.9M | $58.0M | $48.6M | $6.7M | $466K | 1.44% | 4.06% | 0.37% | 4,703 |
Loan mix (Q2 2026): real estate $11.1M · commercial $535K · consumer $31.2M · securities $27.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.1% | 80.6% | 9th |
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: Albany, WY, ranked 5th with 6.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Albany, WY | 1 | $68.9M* | 6.56% | 5th |
Wyoming: 52nd with 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1