| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +1.3% | +8.4 pts |
| Share growth (YoY) | +9.1% | +0.9% | +8.1 pts |
| Loan growth (YoY) | -18.2% | -2.6% | -15.6 pts |
| ROA | 1.16% | 0.65% | +0.5 pts |
| ROE | 10.4% | 4.4% | +6.0 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.9M | $37.1M | $15.8M | $4.7M | $242K | 1.16% | 3.87% | 1.19% | 3,184 |
| Q1 2026 | $41.6M | $37.0M | $15.8M | $4.6M | $152K | 1.46% | 3.76% | 1.40% | 3,128 |
| Q4 2025 | $40.0M | $35.6M | $17.1M | $4.4M | $107K | 0.27% | 3.87% | 1.01% | 3,159 |
| Q3 2025 | $38.8M | $34.6M | $18.5M | $4.3M | $-16K | -0.06% | 3.90% | 0.89% | 3,178 |
| Q2 2025 | $38.2M | $34.0M | $19.3M | $4.0M | $218K | 1.14% | 3.90% | 0.67% | 3,185 |
| Q1 2025 | $39.7M | $35.7M | $20.8M | $4.0M | $138K | 1.39% | 3.76% | 0.79% | 3,124 |
| Q4 2024 | $39.4M | $35.9M | $22.0M | $4.2M | $185K | 0.47% | 3.46% | 0.61% | 3,282 |
| Q3 2024 | $38.6M | $34.7M | $23.1M | $4.3M | $155K | 0.54% | 3.46% | 0.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,334 |
| Q2 2024 | $37.8M | $35.0M | $23.4M | $4.3M | $91K | 0.48% | 3.44% | 0.75% | 3,327 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $12.0M · securities $15.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 80.6% | 39th |
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: Lake, SD, ranked 7th with 6.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, SD | 1 | $37.1M* | 6.35% | 7th |
South Dakota: 89th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1