| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +1.3% | -8.1 pts |
| Share growth (YoY) | -8.4% | +0.7% | -9.1 pts |
| Loan growth (YoY) | -8.5% | -2.4% | -6.2 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 10.2% | 4.1% | +6.1 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.8M | $28.1M | $18.9M | $3.5M | $90K | 1.14% | 4.16% | 3.63% | 2,963 |
| Q4 2025 | $31.5M | $27.9M | $19.6M | $3.5M | $367K | 1.16% | 4.45% | 2.97% | 2,967 |
| Q3 2025 | $32.0M | $28.4M | $21.1M | $3.4M | $337K | 1.40% | 4.41% | 2.82% | 2,987 |
| Q2 2025 | $33.1M | $29.6M | $20.6M | $3.3M | $240K | 1.45% | 4.25% | 1.76% | 3,009 |
| Q1 2025 | $34.1M | $30.7M | $20.7M | $3.2M | $91K | 1.07% | 3.99% | 1.44% | 2,775 |
| Q4 2024 | $33.7M | $30.4M | $21.0M | $3.1M | $342K | 1.01% | 3.78% | 1.62% | 2,791 |
| Q3 2024 | $32.1M | $28.9M | $21.6M | $3.0M | $248K | 1.03% | 3.87% | 0.79% | 2,782 |
| Q2 2024 | $30.7M | $27.7M | $21.7M | $2.9M | $152K | 0.99% | 3.81% | 2.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% |
Peer lists, growth filters, CSV export, CRM push.
| 2,783 |
Loan mix (Q1 2026): real estate $2.0M · commercial $388K · consumer $12.6M · securities $8.1M
| 81.5% |
| — |
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 2024). Biggest market: Codington, SD, ranked 12th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Codington, SD | 1 | $29.6M* | 1.73% | 12th |
South Dakota: 94th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1