| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.3% | +4.1% | +9.2 pts |
| Share growth (YoY) | +13.2% | +3.5% | +9.6 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 0.95% | 0.74% | +0.2 pts |
| ROE | 10.1% | 6.5% | +3.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.3M | $113.8M | $95.0M | $11.9M | $599K | 0.95% | 2.77% | 0.02% | 4,550 |
| Q1 2026 | $123.2M | $111.3M | $93.1M | $11.7M | $363K | 1.18% | 3.06% | 0.01% | 4,569 |
| Q4 2025 | $116.6M | $105.0M | $93.1M | $11.3M | $1.3M | 1.12% | 3.05% | 0.01% | 4,573 |
| Q3 2025 | $114.4M | $103.0M | $92.3M | $11.0M | $951K | 1.11% | 3.03% | 0.14% | 4,599 |
| Q2 2025 | $111.5M | $100.6M | $92.6M | $10.6M | $560K | 1.01% | 3.01% | 0.04% | 4,605 |
| Q1 2025 | $114.3M | $103.9M | $87.3M | $10.2M | $214K | 0.75% | 2.79% | 0.12% | 4,837 |
| Q4 2024 | $112.0M | $101.6M | $86.9M | $10.0M | $1.1M | 0.95% | 2.77% | 0.05% | 4,837 |
| Q3 2024 | $111.5M | $101.5M | $86.1M | $9.9M | $910K | 1.09% | 2.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.74% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 6.5% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 4,821 |
| Q2 2024 | $106.9M | $97.0M | $82.9M | $9.5M | $603K | 1.13% | 2.96% | 0.09% | 4,779 |
Loan mix (Q2 2026): real estate $69.1M · commercial $0 · consumer $23.3M · securities $11.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 77.5% | 19th |
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: Crow Wing, MN, ranked 11th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crow Wing, MN | 1 | $113.8M* | 3.89% | 11th |
Minnesota: 224th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1