| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -18.3% | +1.3% | -19.6 pts |
| Share growth (YoY) | -18.4% | +0.9% | -19.3 pts |
| Loan growth (YoY) | -9.8% | -2.6% | -7.1 pts |
| ROA | 0.90% | 0.65% | +0.3 pts |
| ROE | 10.8% | 4.4% | +6.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.9M | $6.3M | $4.8M | $574K | $31K | 0.90% | 5.29% | 1.31% | 649 |
| Q1 2026 | $8.1M | $7.4M | $5.0M | $572K | $3K | 0.17% | 3.83% | 1.71% | 650 |
| Q4 2025 | $8.6M | $7.9M | $5.1M | $569K | $-95K | -1.11% | 2.64% | 2.52% | 653 |
| Q3 2025 | $8.3M | $7.6M | $5.3M | $605K | $-62K | -0.99% | 2.41% | 3.55% | 661 |
| Q2 2025 | $8.5M | $7.7M | $5.3M | $610K | $-54K | -1.28% | 2.21% | 0.27% | 649 |
| Q1 2025 | $8.4M | $7.7M | $5.3M | $635K | $-29K | -1.38% | 2.00% | 0.13% | 656 |
| Q4 2024 | $8.1M | $7.3M | $5.4M | $664K | $-74K | -0.92% | 2.89% | 0.01% | 652 |
| Q3 2024 | $8.0M | $7.2M | $5.6M | $667K | $-71K | -1.19% | 2.86% | 0.02% | 654 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.2M | $6.4M | $5.6M | $674K | $-61K | -1.71% | 3.07% | 0.20% | 646 |
Loan mix (Q2 2026): real estate $535K · commercial $0 · consumer $3.6M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 80.6% | 61st |
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: Box Butte, NE, ranked 11th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Box Butte, NE | 1 | $6.3M* | 1.33% | 11th |
Nebraska: 214th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1