| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +2.8% | +0.9% | +1.9 pts |
| Loan growth (YoY) | -2.1% | -2.6% | +0.5 pts |
| ROA | 1.44% | 0.65% | +0.8 pts |
| ROE | 7.7% | 4.4% | +3.3 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.4M | $29.2M | $6.6M | $6.8M | $262K | 1.44% | 3.61% | 0.00% | 3,228 |
| Q1 2026 | $36.2M | $29.2M | $6.5M | $6.7M | $123K | 1.36% | 3.55% | 0.00% | 3,223 |
| Q4 2025 | $35.1M | $28.2M | $6.5M | $6.6M | $642K | 1.83% | 3.94% | 0.00% | 3,344 |
| Q3 2025 | $34.3M | $27.6M | $6.5M | $6.4M | $495K | 1.92% | 4.05% | 0.00% | 3,424 |
| Q2 2025 | $35.0M | $28.4M | $6.7M | $6.3M | $334K | 1.91% | 3.97% | 0.21% | 3,418 |
| Q1 2025 | $34.9M | $28.5M | $6.8M | $6.1M | $163K | 1.86% | 3.90% | 0.04% | 3,589 |
| Q4 2024 | $34.5M | $28.3M | $7.1M | $5.9M | $589K | 1.71% | 3.75% | 0.00% | 3,603 |
| Q3 2024 | $34.3M | $28.2M | $7.5M | $5.8M | $444K | 1.73% | 3.71% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,623 |
| Q2 2024 | $34.2M | $28.3M | $7.3M | $5.6M | $281K | 1.64% | 3.61% | 0.33% | 3,637 |
Loan mix (Q2 2026): real estate $666K · commercial $0 · consumer $5.4M · securities $25.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 80.6% | 20th |
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.
3 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Comanche, OK, ranked 15th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Comanche, OK | 2 | $19.5M* | 0.59% | 15th |
| Johnson, KS | 1 | $9.7M* | 0.03% | 72nd |
Oklahoma: 237th with 0.01% · Kansas: 283rd with 0.01% · Lawton metro: 17th, 0.58% · Kansas City metro: 146th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3