| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +5.1% | -9.5 pts |
| Share growth (YoY) | +0.4% | +4.9% | -4.5 pts |
| Loan growth (YoY) | +1.6% | +5.4% | -3.9 pts |
| ROA | 0.65% | 0.71% | -0.1 pts |
| ROE | 5.5% | 6.3% | -0.7 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.18B | $1.05B | $690.0M | $139.9M | $1.9M | 0.65% | 3.25% | 0.29% | 62,149 |
| Q4 2025 | $1.17B | $1.03B | $689.8M | $138.0M | $5.2M | 0.44% | 3.22% | 0.31% | 62,180 |
| Q3 2025 | $1.17B | $1.03B | $685.0M | $136.8M | $3.8M | 0.44% | 3.22% | 0.28% | 62,303 |
| Q2 2025 | $1.15B | $1.03B | $687.5M | $135.2M | $2.2M | 0.38% | 3.18% | 0.26% | 62,290 |
| Q1 2025 | $1.24B | $1.04B | $679.2M | $133.9M | $888K | 0.29% | 2.88% | 0.27% | 62,323 |
| Q4 2024 | $1.19B | $1.01B | $685.4M | $133.0M | $3.2M | 0.27% | 2.93% | 0.31% | 62,227 |
| Q3 2024 | $1.21B | $1.00B | $696.3M | $133.9M | $3.9M | 0.43% | 2.86% | 0.36% | 62,185 |
| Q2 2024 | $1.21B | $1.00B | $708.0M | $132.6M | $2.0M | 0.34% | 2.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.71% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 6.3% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 62,083 |
Loan mix (Q1 2026): real estate $411.5M · commercial $95.7M · consumer $160.5M · securities $289.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 73.0% | 77th |
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.
13 branches in 7 counties across 4 states (+0 vs 2024). Biggest market: Hennepin, MN, ranked 30th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 4 | $316.7M* | 0.23% | 30th |
| Ramsey, MN | 3 | $237.5M* | 0.36% | 19th |
| Washington, MN | 2 | $158.4M* | 1.93% | 15th |
| 4 more counties with Pro → | ||||
Minnesota: 39th with 0.24% · Missouri: 238th with 0.03% · Iowa: 254th with 0.05% · Tennessee: 188th with 0.03% · Minneapolis-St. Paul-Bloomington metro: 24th, 0.31% · Nashville-Davidson--Murfreesboro--Franklin metro: 62nd, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 13 · 2023 13 · 2024 13 · 2025 13