| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +5.9 pts |
| Share growth (YoY) | +6.8% | +0.9% | +5.8 pts |
| Loan growth (YoY) | +0.8% | -2.6% | +3.5 pts |
| ROA | 1.53% | 0.65% | +0.9 pts |
| ROE | 7.4% | 4.4% | +3.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.2M | $41.1M | $32.2M | $10.7M | $399K | 1.53% | 3.35% | 1.41% | 3,465 |
| Q1 2026 | $52.9M | $42.0M | $32.6M | $10.5M | $173K | 1.31% | 3.26% | 0.77% | 3,446 |
| Q4 2025 | $50.3M | $39.6M | $32.2M | $10.3M | $886K | 1.76% | 3.21% | 0.86% | 3,420 |
| Q3 2025 | $48.7M | $38.1M | $32.2M | $10.2M | $771K | 2.11% | 3.24% | 1.05% | 3,426 |
| Q2 2025 | $48.7M | $38.5M | $31.9M | $9.9M | $390K | 1.60% | 3.15% | 0.88% | 3,387 |
| Q1 2025 | $49.1M | $39.1M | $30.6M | $9.7M | $226K | 1.84% | 3.05% | 0.82% | 3,367 |
| Q4 2024 | $46.2M | $36.3M | $31.1M | $9.5M | $575K | 1.25% | 3.26% | 0.42% | 3,343 |
| Q3 2024 | $45.0M | $35.4M | $30.6M | $9.3M | $393K | 1.16% | 3.52% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,317 |
| Q2 2024 | $41.7M | $32.3M | $29.7M | $9.1M | $357K | 1.71% | 3.48% | 0.43% | 3,271 |
Loan mix (Q2 2026): real estate $2.6M · commercial $180K · consumer $25.7M · securities $9.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 80.6% | 13th |
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: Box Butte, NE, ranked 4th with 8.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Box Butte, NE | 1 | $41.1M* | 8.67% | 4th |
Nebraska: 171st with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1