| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.0 pts |
| Share growth (YoY) | +11.1% | +0.9% | +10.2 pts |
| Loan growth (YoY) | +8.1% | -2.6% | +10.7 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 6.7% | 4.4% | +2.4 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.0M | $5.1M | $4.5M | $809K | $27K | 0.91% | 3.17% | 0.15% | 795 |
| Q1 2026 | $6.0M | $5.2M | $4.6M | $796K | $13K | 0.85% | 3.23% | 0.00% | 790 |
| Q4 2025 | $5.6M | $4.7M | $4.7M | $784K | $19K | 0.34% | 3.14% | 0.55% | 796 |
| Q3 2025 | $5.6M | $4.7M | $4.5M | $790K | $30K | 0.72% | 3.26% | 0.30% | 792 |
| Q2 2025 | $5.4M | $4.6M | $4.2M | $780K | $22K | 0.80% | 3.27% | 0.24% | 785 |
| Q1 2025 | $5.4M | $4.5M | $3.9M | $769K | $10K | 0.77% | 3.36% | 0.37% | 786 |
| Q4 2024 | $5.2M | $4.4M | $3.9M | $758K | $12K | 0.23% | 3.26% | 0.06% | 784 |
| Q3 2024 | $5.1M | $4.3M | $3.9M | $759K | $13K | 0.35% | 3.31% | 0.00% | 816 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.9M | $4.1M | $3.8M | $753K | $7K | 0.28% | 3.10% | 0.07% | 821 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.5M · securities $713K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 80.6% | 43rd |
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: Saline, KS, ranked 16th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saline, KS | 1 | $5.1M* | 0.22% | 16th |
Kansas: 293rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1