| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -5.6% | +0.9% | -6.6 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.4 pts |
| ROA | -0.23% | 0.65% | -0.9 pts |
| ROE | -2.0% | 4.4% | -6.4 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.7M | $1.5M | $876K | $205K | $-2K | -0.23% | 4.09% | 0.00% | 353 |
| Q1 2026 | $1.8M | $1.6M | $807K | $207K | $98 | 0.02% | 4.20% | 0.13% | 363 |
| Q4 2025 | $1.7M | $1.5M | $772K | $207K | $10K | 0.60% | 4.47% | 0.06% | 310 |
| Q3 2025 | $1.7M | $1.5M | $783K | $206K | $9K | 0.70% | 4.54% | 0.12% | 314 |
| Q2 2025 | $1.8M | $1.6M | $912K | $202K | $5K | 0.54% | 4.17% | 4.98% | 329 |
| Q1 2025 | $1.8M | $1.6M | $895K | $200K | $3K | 0.70% | 4.27% | 4.43% | 338 |
| Q4 2024 | $1.8M | $1.6M | $888K | $197K | $33K | 1.85% | 5.30% | 3.83% | 338 |
| Q3 2024 | $2.0M | $1.8M | $1.1M | $188K | $25K | 1.69% | 4.90% | 1.04% | 340 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.65% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.0M |
| $1.8M |
| $1.1M |
| $180K |
| $16K |
| 1.65% |
| 4.84% |
| 1.55% |
| 341 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $749K · securities $424K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.3% | 80.6% | 90th |
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: Atchison, KS, ranked 5th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Atchison, KS | 1 | $1.5M* | 0.24% | 5th |
Kansas: 304th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1