| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | -0.3% | +2.9% | -3.3 pts |
| ROA | 0.52% | 0.69% | -0.2 pts |
| ROE | 4.0% | 5.9% | -2.0 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $175.3M | $151.7M | $123.9M | $23.1M | $230K | 0.52% | 3.26% | 0.53% | 12,306 |
| Q4 2025 | $171.0M | $151.0M | $125.9M | $22.9M | $1.5M | 0.90% | 3.27% | 0.42% | 12,310 |
| Q3 2025 | $169.7M | $147.9M | $125.2M | $22.6M | $1.2M | 0.97% | 3.21% | 0.41% | 12,420 |
| Q2 2025 | $167.8M | $146.8M | $123.6M | $22.1M | $747K | 0.89% | 3.20% | 0.37% | 12,413 |
| Q1 2025 | $167.7M | $146.9M | $124.4M | $21.8M | $297K | 0.71% | 3.17% | 0.41% | 12,420 |
| Q4 2024 | $162.6M | $141.9M | $125.2M | $21.5M | $1.7M | 1.03% | 3.22% | 0.37% | 12,457 |
| Q3 2024 | $160.9M | $141.1M | $126.9M | $21.1M | $1.3M | 1.07% | 3.23% | 0.54% | 12,520 |
| Q2 2024 | $157.9M | $138.8M | $129.0M | $20.7M | $909K | 1.15% | 3.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 5.9% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 12,529 |
Loan mix (Q1 2026): real estate $56.0M · commercial $2.3M · consumer $62.6M · securities $22.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 78.7% | 40th |
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.
5 branches in 4 counties across 1 state (+0 vs 2024). Biggest market: Anoka, MN, ranked 21st with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anoka, MN | 2 | $58.7M* | 0.71% | 21st |
| Dakota, MN | 1 | $29.4M* | 0.23% | 42nd |
| Ramsey, MN | 1 | $29.4M* | 0.04% | 46th |
| 1 more county with Pro → | ||||
Minnesota: 195th with 0.04% · Minneapolis-St. Paul-Bloomington metro: 98th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5