| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.0% | +0.9% | -0.9 pts |
| Loan growth (YoY) | -4.1% | -2.6% | -1.5 pts |
| ROA | 1.03% | 0.65% | +0.4 pts |
| ROE | 8.0% | 4.4% | +3.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.5M | $17.7M | $14.4M | $2.6M | $106K | 1.03% | 5.06% | 1.43% | 2,251 |
| Q1 2026 | $20.3M | $17.7M | $14.4M | $2.6M | $-132K | -2.60% | 5.04% | 1.04% | 2,229 |
| Q4 2025 | $20.5M | $17.9M | $14.7M | $2.5M | $136K | 0.66% | 5.00% | 1.30% | 2,242 |
| Q3 2025 | $19.5M | $16.9M | $14.9M | $2.6M | $134K | 0.92% | 5.23% | 2.59% | 2,240 |
| Q2 2025 | $20.3M | $17.7M | $15.1M | $2.6M | $100K | 0.99% | 4.98% | 2.26% | 2,238 |
| Q1 2025 | $20.7M | $18.1M | $15.4M | $2.5M | $62K | 1.20% | 4.93% | 1.24% | 2,231 |
| Q4 2024 | $20.0M | $17.5M | $15.7M | $2.5M | $121K | 0.60% | 5.03% | 1.65% | 2,246 |
| Q3 2024 | $19.8M | $17.4M | $16.1M | $2.5M | $88K | 0.59% | 5.00% | 1.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,250 |
| Q2 2024 | $19.6M | $17.1M | $16.4M | $2.4M | $63K | 0.65% | 4.94% | 1.16% | 2,250 |
Loan mix (Q2 2026): real estate $3.6M · commercial $309K · consumer $8.9M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 80.6% | 53rd |
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: Dawes, NE, ranked 6th with 5.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dawes, NE | 1 | $17.7M* | 5.10% | 6th |
Nebraska: 195th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1