| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.6 pts |
| Share growth (YoY) | +9.8% | +0.9% | +8.8 pts |
| Loan growth (YoY) | +0.9% | -2.6% | +3.5 pts |
| ROA | 0.84% | 0.65% | +0.2 pts |
| ROE | 8.7% | 4.4% | +4.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.4M | $19.2M | $10.5M | $2.1M | $90K | 0.84% | 3.29% | 0.14% | 1,627 |
| Q1 2026 | $22.1M | $20.0M | $10.1M | $2.0M | $45K | 0.82% | 3.20% | 0.51% | 1,613 |
| Q4 2025 | $20.4M | $18.3M | $10.0M | $2.0M | $239K | 1.18% | 3.67% | 0.11% | 1,600 |
| Q3 2025 | $18.9M | $16.9M | $10.4M | $1.9M | $186K | 1.31% | 3.93% | 0.24% | 1,587 |
| Q2 2025 | $19.4M | $17.5M | $10.4M | $1.8M | $108K | 1.12% | 3.75% | 0.44% | 1,586 |
| Q1 2025 | $19.5M | $17.6M | $10.1M | $1.8M | $48K | 0.98% | 3.62% | 0.31% | 1,574 |
| Q4 2024 | $19.1M | $17.3M | $10.2M | $1.7M | $171K | 0.90% | 3.16% | 0.24% | 1,561 |
| Q3 2024 | $18.5M | $16.7M | $10.3M | $1.7M | $134K | 0.97% | 3.11% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.65% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,552 |
| Q2 2024 | $19.9M | $18.2M | $10.2M | $1.6M | $58K | 0.58% | 2.68% | 0.17% | 1,542 |
Loan mix (Q2 2026): real estate $176K · commercial $1.1M · consumer $6.5M · securities $8.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 80.6% | 52nd |
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: Gregory, SD, ranked 3rd with 6.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gregory, SD | 1 | $19.2M* | 6.89% | 3rd |
South Dakota: 103rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1