| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +1.3% | +12.6 pts |
| Share growth (YoY) | +15.2% | +0.9% | +14.2 pts |
| Loan growth (YoY) | +10.5% | -2.6% | +13.1 pts |
| ROA | 0.18% | 0.65% | -0.5 pts |
| ROE | 2.2% | 4.4% | -2.1 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.7M | $34.2M | $26.3M | $3.0M | $33K | 0.18% | 3.17% | 0.41% | 2,758 |
| Q1 2026 | $37.4M | $34.3M | $23.2M | $2.9M | $-47K | -0.50% | 3.10% | 0.02% | 2,773 |
| Q4 2025 | $35.1M | $31.9M | $23.2M | $2.9M | $235K | 0.67% | 3.32% | 0.11% | 2,755 |
| Q3 2025 | $33.7M | $30.3M | $23.3M | $2.9M | $195K | 0.77% | 3.38% | 0.13% | 2,754 |
| Q2 2025 | $33.1M | $29.7M | $23.8M | $2.8M | $147K | 0.89% | 3.37% | 0.03% | 2,755 |
| Q1 2025 | $33.4M | $30.2M | $22.8M | $2.8M | $66K | 0.79% | 3.15% | 0.00% | 2,736 |
| Q4 2024 | $30.9M | $27.8M | $22.3M | $2.7M | $312K | 1.01% | 3.40% | 0.12% | 2,746 |
| Q3 2024 | $29.5M | $26.6M | $22.5M | $2.6M | $236K | 1.06% | 3.57% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,723 |
| Q2 2024 | $29.4M | $26.6M | $22.5M | $2.5M | $172K | 1.17% | 3.54% | 0.10% | 2,707 |
Loan mix (Q2 2026): real estate $6.2M · commercial $0 · consumer $14.1M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 80.6% | 66th |
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.
3 branches in 3 counties across 3 states (+2 vs 2025). Biggest market: Salt Lake, UT, ranked 108th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $11.4M* | 0.00% | 108th |
| Silver Bow, MT | 1 | $11.4M* | 0.92% | 15th |
| Lancaster, NE | 1 | $11.4M* | 0.07% | 38th |
Montana: 84th with 0.02% · Nebraska: 202nd with 0.01% · Utah: 135th with 0.00% · Lincoln metro: 40th, 0.07% · Salt Lake City-Murray metro: 108th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3