| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.1 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | +9.7% | +2.9% | +6.8 pts |
| ROA | 1.34% | 0.69% | +0.6 pts |
| ROE | 8.0% | 5.9% | +2.1 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $200.2M | $166.6M | $135.8M | $33.5M | $671K | 1.34% | 3.78% | 0.48% | 11,751 |
| Q4 2025 | $196.3M | $163.1M | $133.4M | $32.8M | $2.6M | 1.31% | 3.81% | 0.55% | 11,726 |
| Q3 2025 | $188.2M | $155.6M | $131.8M | $32.1M | $1.9M | 1.32% | 3.94% | 0.38% | 11,719 |
| Q2 2025 | $188.7M | $156.6M | $128.8M | $31.6M | $1.3M | 1.34% | 3.87% | 0.52% | 11,686 |
| Q1 2025 | $192.4M | $161.3M | $123.8M | $30.8M | $503K | 1.05% | 3.71% | 0.32% | 11,623 |
| Q4 2024 | $183.9M | $153.4M | $120.1M | $30.3M | $2.2M | 1.18% | 3.71% | 0.39% | 11,584 |
| Q3 2024 | $182.1M | $152.1M | $118.1M | $29.7M | $1.6M | 1.15% | 3.69% | 0.40% | 11,582 |
| Q2 2024 | $180.7M | $150.8M | $117.3M | $29.1M | $979K | 1.08% | 3.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 11,606 |
Loan mix (Q1 2026): real estate $23.8M · commercial $5.7M · consumer $95.6M · securities $40.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 78.7% | 22nd |
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.
2 branches in 2 counties across 1 state (+1 vs 2024). Biggest market: Brown, SD, ranked 8th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brown, SD | 1 | $78.3M* | 3.66% | 8th |
| Codington, SD | 1 | $78.3M* | 4.56% | 9th |
South Dakota: 49th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2