| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.6% | +0.9% | -2.5 pts |
| Loan growth (YoY) | -9.2% | -2.6% | -6.6 pts |
| ROA | 1.49% | 0.65% | +0.8 pts |
| ROE | 6.5% | 4.4% | +2.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.8M | $6.0M | $4.1M | $1.8M | $58K | 1.49% | 3.27% | 0.41% | 689 |
| Q1 2026 | $8.0M | $6.2M | $4.3M | $1.8M | $34K | 1.69% | 3.44% | 0.02% | 693 |
| Q4 2025 | $7.8M | $6.1M | $4.4M | $1.7M | $71K | 0.91% | 2.85% | 0.02% | 692 |
| Q3 2025 | $7.9M | $6.2M | $4.5M | $1.7M | $66K | 1.11% | 2.89% | 0.53% | 695 |
| Q2 2025 | $7.9M | $6.1M | $4.5M | $1.7M | $41K | 1.05% | 2.77% | 0.00% | 699 |
| Q1 2025 | $7.9M | $6.2M | $4.4M | $1.7M | $26K | 1.29% | 2.80% | 0.00% | 697 |
| Q4 2024 | $7.9M | $6.3M | $4.6M | $1.7M | $54K | 0.68% | 2.43% | 0.00% | 703 |
| Q3 2024 | $7.7M | $6.1M | $4.8M | $1.7M | $47K | 0.81% | 2.59% | 0.00% | 703 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.1M | $6.5M | $4.8M | $1.6M | $27K | 0.66% | 2.42% | 0.00% | 709 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 80.6% | 7th |
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: St. Louis, MN, ranked 38th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MN | 1 | $6.0M* | 0.09% | 38th |
Minnesota: 365th with 0.00% · Duluth metro: 46th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1