| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | -0.3% | +0.9% | -1.3 pts |
| Loan growth (YoY) | -0.6% | -2.6% | +2.1 pts |
| ROA | 1.65% | 0.65% | +1.0 pts |
| ROE | 10.9% | 4.4% | +6.5 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.3M | $47.8M | $33.0M | $8.7M | $471K | 1.65% | 3.86% | 0.19% | 8,982 |
| Q1 2026 | $58.3M | $49.1M | $32.8M | $8.4M | $210K | 1.44% | 3.61% | 0.13% | 8,916 |
| Q4 2025 | $55.8M | $46.9M | $33.8M | $8.2M | $599K | 1.07% | 3.97% | 0.65% | 8,856 |
| Q3 2025 | $56.7M | $48.1M | $32.6M | $8.1M | $522K | 1.23% | 3.84% | 0.56% | 9,293 |
| Q2 2025 | $56.5M | $47.9M | $33.2M | $8.0M | $352K | 1.25% | 3.84% | 0.48% | 9,933 |
| Q1 2025 | $57.3M | $49.1M | $33.2M | $7.7M | $129K | 0.90% | 3.52% | 0.29% | 9,920 |
| Q4 2024 | $55.0M | $47.0M | $34.5M | $7.6M | $694K | 1.26% | 3.98% | 0.37% | 9,907 |
| Q3 2024 | $54.1M | $46.3M | $33.5M | $7.5M | $565K | 1.39% | 3.98% | 0.29% |
| Ratio | Ark Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 9,992 |
| Q2 2024 | $56.1M | $48.4M | $34.4M | $7.3M | $426K | 1.52% | 3.81% | 0.18% | 9,944 |
Loan mix (Q2 2026): real estate $11.6M · commercial $0 · consumer $18.6M · securities $8.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 80.6% | 27th |
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 | Ark Valley Credit Union | 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 | Ark Valley Credit Union | 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 | Ark Valley Credit Union | 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 | Ark Valley Credit Union | 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 | Ark Valley Credit Union | 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 1 state (+0 vs 2025). Biggest market: Cowley, KS, ranked 7th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cowley, KS | 2 | $31.9M* | 3.07% | 7th |
| Butler, KS | 1 | $15.9M* | 0.79% | 15th |
Kansas: 226th with 0.04% · Wichita metro: 57th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3