| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -1.6% | +0.9% | -2.5 pts |
| Loan growth (YoY) | +2.1% | -2.6% | +4.7 pts |
| ROA | 0.49% | 0.65% | -0.2 pts |
| ROE | 6.1% | 4.4% | +1.8 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.6M | $34.6M | $11.2M | $3.0M | $93K | 0.49% | 3.17% | 1.45% | 2,191 |
| Q1 2026 | $38.9M | $35.9M | $11.0M | $3.0M | $42K | 0.43% | 2.92% | 1.04% | 2,198 |
| Q4 2025 | $39.4M | $36.4M | $10.7M | $2.9M | $62K | 0.16% | 2.72% | 1.34% | 2,190 |
| Q3 2025 | $38.6M | $35.3M | $10.9M | $2.9M | $55K | 0.19% | 2.78% | 0.72% | 2,182 |
| Q2 2025 | $38.1M | $35.1M | $11.0M | $2.9M | $22K | 0.12% | 2.87% | 0.66% | 2,167 |
| Q1 2025 | $38.4M | $35.6M | $10.8M | $2.9M | $24K | 0.25% | 2.69% | 0.81% | 2,180 |
| Q4 2024 | $37.4M | $34.9M | $10.9M | $2.9M | $56K | 0.15% | 2.58% | 1.16% | 2,185 |
| Q3 2024 | $38.2M | $35.4M | $11.7M | $2.9M | $51K | 0.18% | 2.48% | 2.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,173 |
| Q2 2024 | $36.1M | $33.9M | $11.6M | $2.9M | $29K | 0.16% | 2.56% | 0.99% | 2,168 |
Loan mix (Q2 2026): real estate $2.2M · commercial $59K · consumer $6.9M · securities $23.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 80.6% | 53rd |
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: Dawson, MT, ranked 3rd with 9.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dawson, MT | 1 | $34.6M* | 9.22% | 3rd |
Montana: 70th with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1