| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.1% | +1.3% | -8.4 pts |
| Share growth (YoY) | -6.0% | +0.7% | -6.7 pts |
| Loan growth (YoY) | -9.6% | -2.4% | -7.3 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.3M | $7.1M | $1.5M | $1.2M | $6K | 0.27% | 2.21% | 0.77% | 892 |
| Q4 2025 | $8.4M | $7.1M | $1.7M | $1.4M | $-32K | -0.38% | 2.78% | 0.35% | 909 |
| Q3 2025 | $8.7M | $7.3M | $1.9M | $1.4M | $-19K | -0.28% | 2.47% | 0.36% | 923 |
| Q2 2025 | $8.9M | $7.4M | $1.6M | $1.4M | $15K | 0.35% | 2.09% | 0.57% | 876 |
| Q1 2025 | $8.9M | $7.5M | $1.7M | $1.4M | $8K | 0.36% | 2.34% | 0.24% | 876 |
| Q4 2024 | $9.0M | $7.6M | $1.8M | $1.4M | $-14K | -0.15% | 2.35% | 0.30% | 909 |
| Q3 2024 | $8.7M | $7.3M | $1.9M | $1.4M | $-19K | -0.28% | 2.47% | 0.36% | 923 |
| Q2 2024 | $8.8M | $7.4M | $2.0M | $1.4M | $-47K | -1.07% | 1.88% | 0.80% | 926 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 68th |
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 2 counties across 2 states (+0 vs 2024). Biggest market: Johnson, KS, ranked 73rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Johnson, KS | 1 | $3.7M* | 0.01% | 73rd |
| Delaware, IN | 1 | $3.7M* | 0.10% | 13th |
Indiana: 263rd with 0.00% · Kansas: 299th with 0.00% · Kansas City metro: 148th, 0.00% · Muncie metro: 13th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2