| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | -0.1% | +0.9% | -1.1 pts |
| Loan growth (YoY) | -7.0% | -2.6% | -4.3 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.0M | $4.9M | $3.2M | $1.1M | $16K | 0.52% | 5.03% | 1.18% | 844 |
| Q1 2026 | $5.8M | $4.7M | $3.2M | $1.1M | $13K | 0.86% | 5.10% | 2.54% | 843 |
| Q4 2025 | $5.8M | $4.7M | $3.2M | $1.1M | $102 | 0.00% | 5.59% | 1.09% | 838 |
| Q3 2025 | $6.0M | $4.9M | $3.3M | $1.1M | $2K | 0.06% | 5.37% | 1.70% | 861 |
| Q2 2025 | $6.0M | $4.9M | $3.4M | $1.1M | $-14K | -0.46% | 5.41% | 1.64% | 867 |
| Q1 2025 | $6.0M | $4.6M | $3.5M | $1.1M | $-20K | -1.37% | 5.49% | 1.76% | 1,298 |
| Q4 2024 | $5.6M | $4.4M | $3.5M | $1.1M | $55K | 0.99% | 6.18% | 3.42% | 1,301 |
| Q3 2024 | $5.9M | $4.7M | $3.7M | $1.1M | $76K | 1.71% | 5.83% | 3.11% | 1,327 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.1M | $4.9M | $3.8M | $1.1M | $66K | 2.17% | 5.59% | 0.88% | 1,340 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.2M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 80.6% | 54th |
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: Black Hawk, IA, ranked 22nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Black Hawk, IA | 1 | $4.9M* | 0.07% | 22nd |
Iowa: 329th with 0.00% · Waterloo-Cedar Falls metro: 31st, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1