| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +4.2% | +0.9% | +3.2 pts |
| Loan growth (YoY) | +40.5% | -2.6% | +43.1 pts |
| ROA | 0.82% | 0.65% | +0.2 pts |
| ROE | 4.7% | 4.4% | +0.3 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208K | $172K | $28K | $36K | $856 | 0.82% | 2.93% | 7.93% | 74 |
| Q1 2026 | $201K | $163K | $30K | $36K | $2K | 3.69% | 2.94% | 5.35% | 76 |
| Q4 2025 | $202K | $165K | $27K | $36K | $3K | 1.50% | 3.26% | 7.14% | 95 |
| Q3 2025 | $199K | $162K | $32K | $35K | $3K | 1.73% | 3.31% | 0.00% | 97 |
| Q2 2025 | $201K | $165K | $20K | $35K | $318 | 0.32% | 3.08% | 0.00% | 97 |
| Q1 2025 | $200K | $164K | $17K | $33K | $166 | 0.33% | 3.10% | 6.89% | 98 |
| Q4 2024 | $197K | $161K | $21K | $33K | $2K | 1.26% | 3.75% | 9.53% | 101 |
| Q3 2024 | $200K | $164K | $25K | $33K | $3K | 1.80% | 3.74% | 7.29% | 101 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.65% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $204K |
| $168K |
| $28K |
| $32K |
| $351 |
| 0.34% |
| 3.60% |
| 10.99% |
| 108 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $20K · securities $872
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 80.6% | 56th |
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: Reno, KS, ranked 24th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Reno, KS | 1 | $172K* | 0.01% | 24th |
Kansas: 313th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1