| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +2.7% | +0.9% | +1.8 pts |
| Loan growth (YoY) | +1.1% | -2.6% | +3.7 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.8M | $17.4M | $10.1M | $1.9M | $63K | 0.67% | 4.31% | 1.98% | 2,232 |
| Q1 2026 | $18.9M | $17.4M | $10.2M | $1.8M | $21K | 0.44% | 4.03% | 0.44% | 2,216 |
| Q4 2025 | $17.7M | $16.2M | $10.0M | $1.8M | $191K | 1.08% | 4.09% | 0.42% | 2,189 |
| Q3 2025 | $18.4M | $16.9M | $9.8M | $1.8M | $128K | 0.93% | 3.72% | 0.62% | 2,176 |
| Q2 2025 | $18.4M | $16.9M | $10.0M | $1.7M | $84K | 0.91% | 3.60% | 0.25% | 2,166 |
| Q1 2025 | $18.3M | $16.7M | $9.9M | $1.7M | $29K | 0.64% | 3.59% | 0.81% | 2,150 |
| Q4 2024 | $17.6M | $16.3M | $10.2M | $1.6M | $112K | 0.64% | 3.38% | 1.41% | 2,156 |
| Q3 2024 | $16.3M | $14.9M | $10.2M | $1.6M | $75K | 0.61% | 3.63% | 0.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,129 |
| Q2 2024 | $16.6M | $15.2M | $9.8M | $1.6M | $43K | 0.52% | 3.34% | 0.85% | 2,124 |
Loan mix (Q2 2026): real estate $3.3M · commercial $499K · consumer $4.9M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 80.6% | 62nd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Roberts, SD, ranked 6th with 3.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Roberts, SD | 2 | $17.4M* | 3.55% | 6th |
South Dakota: 105th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2