| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -25.0% | +1.3% | -26.3 pts |
| Share growth (YoY) | +355528.6% | +0.9% | +355527.6 pts |
| Loan growth (YoY) | +320840.0% | -2.6% | +320842.6 pts |
| ROA | -61.33% | 0.65% | -62.0 pts |
| ROE | -76.3% | 4.4% | -80.7 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $908K | $174K | $16K | $730K | $-278K | -61.33% | 2.86% | 0.00% | 102 |
| Q1 2026 | $1.0M | $146K | $413 | $870K | $-138K | -54.33% | 2.63% | 0.00% | 77 |
| Q4 2025 | $1.0M | $30K | $0 | $1.0M | $-77K | -7.36% | 2.87% | — | 80 |
| Q3 2025 | $1.1M | $19K | $90 | $1.1M | $19K | 2.25% | 2.43% | 0.00% | 66 |
| Q2 2025 | $1.2M | $49 | $5 | $1.2M | $110K | 18.20% | 2.12% | 0.00% | 29 |
| Q1 2025 | $1.1M | $55 | $0 | $1.0M | $-37K | -14.04% | 1.91% | — | 5 |
| Q4 2024 | $1.1M | $76 | $0 | $1.1M | $1.1M | 99.21% | 0.75% | — | 5 |
| Q3 2024 | $1.2M | $0 | $0 | $1.2M | $1.2M | 134.40% | 0.53% | — | 1 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -61.33% | 0.65% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -76.3% | 4.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $1.2M |
| $0 |
| $0 |
| $1.2M |
| $1.2M |
| 199.44% |
| 0.16% |
| — |
| 1 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $16K · securities $30K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 2130.7% | 80.6% | 100th |
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: Hennepin, MN, ranked 91st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 1 | $174K* | 0.00% | 91st |
Minnesota: 374th with 0.00% · Minneapolis-St. Paul-Bloomington metro: 178th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2024 1 · 2025 1 · 2026 1