| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.1% | +4.4 pts |
| Share growth (YoY) | +8.8% | +3.5% | +5.3 pts |
| Loan growth (YoY) | +4.2% | +2.9% | +1.4 pts |
| ROA | 0.46% | 0.74% | -0.3 pts |
| ROE | 4.3% | 6.5% | -2.2 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $127.8M | $113.5M | $63.5M | $13.7M | $292K | 0.46% | 2.68% | 0.17% | 6,615 |
| Q1 2026 | $124.4M | $110.5M | $63.1M | $13.5M | $83K | 0.27% | 2.70% | 0.31% | 6,689 |
| Q4 2025 | $122.6M | $107.8M | $63.8M | $13.5M | $835K | 0.68% | 2.68% | 0.39% | 6,688 |
| Q3 2025 | $120.9M | $106.6M | $63.5M | $13.3M | $647K | 0.71% | 2.68% | 0.27% | 6,712 |
| Q2 2025 | $117.7M | $104.3M | $60.9M | $13.0M | $428K | 0.73% | 2.69% | 0.32% | 6,722 |
| Q1 2025 | $113.8M | $100.5M | $58.9M | $12.9M | $234K | 0.82% | 2.82% | 0.04% | 6,645 |
| Q4 2024 | $110.5M | $97.4M | $59.1M | $12.6M | $868K | 0.79% | 2.76% | 1.32% | 6,670 |
| Q3 2024 | $111.0M | $98.1M | $58.8M | $12.4M | $691K | 0.83% | 2.77% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.74% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 6.5% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.32% |
| 6,685 |
| Q2 2024 | $113.0M | $100.3M | $58.5M | $12.2M | $483K | 0.86% | 2.70% | 1.04% | 6,711 |
Loan mix (Q2 2026): real estate $47.6M · commercial $191K · consumer $11.1M · securities $60.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 77.5% | 77th |
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: Crow Wing, MN, ranked 12th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crow Wing, MN | 1 | $113.5M* | 3.88% | 12th |
Minnesota: 226th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1