| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +1.3% | +11.0 pts |
| Share growth (YoY) | +12.2% | +0.7% | +11.6 pts |
| Loan growth (YoY) | +5.2% | -2.4% | +7.6 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 12.8% | 4.1% | +8.7 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.5M | $42.2M | $27.5M | $3.9M | $124K | 1.07% | 4.00% | 0.67% | 3,016 |
| Q4 2025 | $43.3M | $39.1M | $27.3M | $3.8M | $506K | 1.17% | 4.21% | 1.11% | 3,002 |
| Q3 2025 | $42.0M | $37.6M | $27.1M | $3.6M | $352K | 1.12% | 4.30% | 1.02% | 2,991 |
| Q2 2025 | $41.0M | $37.1M | $26.7M | $3.5M | $202K | 0.98% | 4.31% | 1.00% | 3,008 |
| Q1 2025 | $41.4M | $37.6M | $26.1M | $3.3M | $67K | 0.65% | 4.14% | 1.07% | 3,018 |
| Q4 2024 | $40.1M | $36.5M | $25.3M | $3.3M | $230K | 0.57% | 4.11% | 0.78% | 3,016 |
| Q3 2024 | $40.7M | $37.0M | $25.0M | $3.2M | $169K | 0.55% | 3.92% | 0.81% | 3,020 |
| Q2 2024 | $39.1M | $35.6M | $23.7M | $3.2M | $121K | 0.62% | 4.03% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.1% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,029 |
Loan mix (Q1 2026): real estate $8.4M · commercial $1.8M · consumer $13.6M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 81.5% | 41st |
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 2024). Biggest market: Pennington, SD, ranked 15th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pennington, SD | 2 | $37.1M* | 0.82% | 15th |
South Dakota: 86th with 0.00% · Rapid City metro: 17th, 0.67% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2