| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.7% | +1.3% | -15.0 pts |
| Share growth (YoY) | -16.3% | +0.9% | -17.2 pts |
| Loan growth (YoY) | -25.9% | -2.6% | -23.3 pts |
| ROA | -1.09% | 0.65% | -1.7 pts |
| ROE | -7.5% | 4.4% | -11.8 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.9M | $1.5M | $1.5M | $272K | $-10K | -1.09% | 6.73% | 8.72% | 350 |
| Q1 2026 | $2.1M | $1.8M | $1.6M | $269K | $-6K | -1.05% | 6.17% | 5.20% | 350 |
| Q4 2025 | $2.0M | $1.7M | $1.8M | $274K | $-7K | -0.35% | 7.13% | 6.43% | 350 |
| Q3 2025 | $2.2M | $1.8M | $1.8M | $281K | $-71 | -0.00% | 6.68% | 6.42% | 351 |
| Q2 2025 | $2.2M | $1.8M | $2.0M | $278K | $-4K | -0.35% | 6.68% | 5.52% | 350 |
| Q1 2025 | $2.3M | $1.9M | $2.1M | $276K | $-6K | -1.02% | 6.45% | 3.54% | 350 |
| Q4 2024 | $2.4M | $2.0M | $1.9M | $281K | $5K | 0.19% | 6.85% | 3.75% | 337 |
| Q3 2024 | $2.6M | $2.3M | $2.1M | $308K | $31K | 1.61% | 6.33% | 3.66% | 337 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.09% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -7.5% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.7M | $2.3M | $2.2M | $298K | $21K | 1.59% | 6.15% | 3.44% | 338 |
Loan mix (Q2 2026): real estate $51K · commercial $0 · consumer $1.3M · securities $277K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.8% | 80.6% | 93rd |
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: Hennepin, MN, ranked 89th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 1 | $1.5M* | 0.00% | 89th |
Minnesota: 373rd with 0.00% · Minneapolis-St. Paul-Bloomington metro: 177th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1