| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.1 pts |
| Loan growth (YoY) | +0.4% | -2.6% | +3.1 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 1.5% | 4.4% | -2.9 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.1M | $10.0M | $6.2M | $1.1M | $8K | 0.15% | 4.70% | 0.00% | 827 |
| Q1 2026 | $11.1M | $9.9M | $6.2M | $1.1M | $14K | 0.50% | 4.91% | 0.06% | 828 |
| Q4 2025 | $10.7M | $9.5M | $6.3M | $1.1M | $56K | 0.53% | 5.54% | 0.04% | 843 |
| Q3 2025 | $11.0M | $9.8M | $6.5M | $1.1M | $74K | 0.90% | 5.35% | 0.11% | 849 |
| Q2 2025 | $11.0M | $9.9M | $6.2M | $1.1M | $53K | 0.96% | 5.35% | 0.11% | 859 |
| Q1 2025 | $11.6M | $10.5M | $6.1M | $1.1M | $33K | 1.14% | 5.23% | 0.12% | 865 |
| Q4 2024 | $11.6M | $10.5M | $6.0M | $1.0M | $36K | 0.31% | 4.67% | 0.08% | 875 |
| Q3 2024 | $11.4M | $10.2M | $5.9M | $1.1M | $49K | 0.58% | 4.71% | 0.00% | 887 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.8M | $10.7M | $6.0M | $1.1M | $56K | 0.95% | 4.88% | 0.21% | 895 |
Loan mix (Q2 2026): real estate $976K · commercial $0 · consumer $3.9M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.1% | 80.6% | 84th |
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: Pennington, SD, ranked 19th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pennington, SD | 1 | $10.0M* | 0.22% | 19th |
South Dakota: 112th with 0.00% · Rapid City metro: 22nd, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1