| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.3% | +1.3% | +21.0 pts |
| Share growth (YoY) | +20.6% | +0.9% | +19.7 pts |
| Loan growth (YoY) | +5.0% | -2.6% | +7.7 pts |
| ROA | 4.50% | 0.65% | +3.9 pts |
| ROE | 43.3% | 4.4% | +38.9 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.9M | $29.4M | $20.2M | $3.4M | $741K | 4.50% | 2.90% | 0.51% | 2,253 |
| Q1 2026 | $31.8M | $29.0M | $19.9M | $2.8M | $73K | 0.91% | 2.90% | 0.58% | 2,251 |
| Q4 2025 | $29.0M | $26.3M | $20.5M | $2.7M | $374K | 1.29% | 3.20% | 0.59% | 2,232 |
| Q3 2025 | $27.5M | $24.8M | $20.6M | $2.6M | $249K | 1.21% | 3.23% | 0.34% | 2,070 |
| Q2 2025 | $26.9M | $24.4M | $19.3M | $2.5M | $149K | 1.11% | 3.13% | 0.05% | 2,172 |
| Q1 2025 | $26.7M | $24.2M | $18.7M | $2.4M | $61K | 0.91% | 2.99% | 0.00% | 2,149 |
| Q4 2024 | $26.5M | $24.1M | $18.5M | $2.3M | $230K | 0.87% | 2.91% | 0.00% | 2,011 |
| Q3 2024 | $24.8M | $22.4M | $19.2M | $2.3M | $177K | 0.95% | 3.11% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.50% | 0.65% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 43.3% | 4.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,006 |
| Q2 2024 | $24.8M | $22.4M | $19.7M | $2.2M | $127K | 1.03% | 3.07% | 0.14% | 2,136 |
Loan mix (Q2 2026): real estate $746K · commercial $26K · consumer $17.7M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.1% | 80.6% | 1st |
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: Sheridan, WY, ranked 12th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sheridan, WY | 1 | $29.4M* | 1.82% | 12th |
Wyoming: 60th with 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1