| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.1 pts |
| Share growth (YoY) | +10.7% | +0.9% | +9.8 pts |
| Loan growth (YoY) | +7.1% | -2.6% | +9.7 pts |
| ROA | 1.33% | 0.65% | +0.7 pts |
| ROE | 9.6% | 4.4% | +5.2 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.8M | $60.7M | $36.1M | $9.8M | $471K | 1.33% | 3.16% | 0.30% | 2,543 |
| Q1 2026 | $71.0M | $61.3M | $37.3M | $9.5M | $193K | 1.09% | 3.08% | 0.12% | 2,562 |
| Q4 2025 | $69.9M | $60.3M | $37.0M | $9.3M | $655K | 0.94% | 2.92% | 0.18% | 2,573 |
| Q3 2025 | $66.7M | $57.3M | $36.1M | $9.2M | $541K | 1.08% | 2.98% | 0.10% | 2,579 |
| Q2 2025 | $64.2M | $54.9M | $33.7M | $9.1M | $387K | 1.21% | 3.02% | 0.15% | 2,555 |
| Q1 2025 | $67.1M | $57.8M | $33.4M | $8.8M | $169K | 1.01% | 2.77% | 0.15% | 2,572 |
| Q4 2024 | $66.5M | $57.4M | $33.5M | $8.7M | $359K | 0.54% | 2.37% | 0.28% | 2,593 |
| Q3 2024 | $64.9M | $55.9M | $33.9M | $8.7M | $352K | 0.72% | 2.37% | 0.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,821 |
| Q2 2024 | $62.6M | $53.6M | $33.4M | $8.6M | $250K | 0.80% | 2.40% | 0.04% | 2,813 |
Loan mix (Q2 2026): real estate $17.8M · commercial $182K · consumer $12.9M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 80.6% | 17th |
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 2 states (+1 vs 2025). Biggest market: Ward, ND, ranked 16th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ward, ND | 2 | $40.5M* | 0.98% | 16th |
| Salt Lake, UT | 1 | $20.2M* | 0.00% | 91st |
North Dakota: 85th with 0.08% · Utah: 119th with 0.00% · Minot metro: 18th, 0.90% · Salt Lake City-Murray metro: 91st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 3