| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.1 pts |
| Loan growth (YoY) | -7.0% | -2.6% | -4.4 pts |
| ROA | 0.27% | 0.65% | -0.4 pts |
| ROE | 1.5% | 4.4% | -2.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.1M | $37.4M | $24.1M | $8.6M | $63K | 0.27% | 3.74% | 0.41% | 1,760 |
| Q1 2026 | $46.7M | $38.0M | $25.3M | $8.7M | $86K | 0.73% | 3.74% | 0.07% | 1,758 |
| Q4 2025 | $46.0M | $37.3M | $25.4M | $8.6M | $475K | 1.03% | 3.97% | 0.12% | 1,759 |
| Q3 2025 | $45.5M | $36.9M | $25.6M | $8.5M | $425K | 1.25% | 3.99% | 0.43% | 1,777 |
| Q2 2025 | $45.4M | $37.0M | $25.9M | $8.4M | $282K | 1.24% | 3.91% | 0.71% | 1,779 |
| Q1 2025 | $44.6M | $36.3M | $25.4M | $8.2M | $134K | 1.20% | 3.89% | 0.50% | 1,791 |
| Q4 2024 | $44.5M | $36.3M | $25.4M | $8.0M | $702K | 1.58% | 4.06% | 0.11% | 1,798 |
| Q3 2024 | $43.7M | $35.7M | $25.6M | $7.9M | $603K | 1.84% | 4.13% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,827 |
| Q2 2024 | $44.5M | $36.6M | $24.3M | $7.7M | $426K | 1.92% | 3.99% | 0.05% | 1,838 |
Loan mix (Q2 2026): real estate $15.6M · commercial $0 · consumer $7.6M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 80.6% | 68th |
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: Polk, IA, ranked 50th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Polk, IA | 1 | $37.4M* | 0.10% | 50th |
Iowa: 294th with 0.02% · Des Moines-West Des Moines metro: 68th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1