| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +1.3% | +9.4 pts |
| Share growth (YoY) | +11.4% | +0.9% | +10.5 pts |
| Loan growth (YoY) | -0.8% | -2.6% | +1.8 pts |
| ROA | 1.44% | 0.65% | +0.8 pts |
| ROE | 9.4% | 4.4% | +5.0 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 | $42.1M | $35.4M | $12.0M | $6.4M | $303K | 1.44% | 3.34% | 0.56% | 3,809 |
| Q1 2026 | $41.5M | $34.9M | $12.1M | $6.3M | $136K | 1.31% | 3.29% | 0.29% | 3,851 |
| Q4 2025 | $38.7M | $32.3M | $12.3M | $6.1M | $553K | 1.43% | 3.26% | 1.29% | 3,855 |
| Q3 2025 | $39.1M | $32.9M | $12.1M | $6.0M | $508K | 1.73% | 3.13% | 1.07% | 3,830 |
| Q2 2025 | $38.0M | $31.8M | $12.1M | $5.8M | $256K | 1.35% | 3.13% | 1.46% | 3,822 |
| Q1 2025 | $38.5M | $32.4M | $11.8M | $5.7M | $118K | 1.23% | 2.91% | 1.18% | 3,994 |
| Q4 2024 | $36.4M | $30.7M | $12.2M | $5.6M | $483K | 1.33% | 3.09% | 1.13% | 3,417 |
| Q3 2024 | $36.5M | $30.8M | $12.2M | $5.5M | $350K | 1.28% | 3.02% | 0.58% |
| 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 | 9.4% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,409 |
| Q2 2024 | $36.3M | $30.8M | $12.1M | $5.3M | $226K | 1.24% | 2.95% | 0.38% | 3,390 |
Loan mix (Q2 2026): real estate $2.5M · commercial $55K · consumer $8.5M · securities $25.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 80.6% | 6th |
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: Lyon, KS, ranked 8th with 3.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lyon, KS | 1 | $35.4M* | 3.60% | 8th |
Kansas: 246th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1