| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.9% | +1.3% | +19.7 pts |
| Share growth (YoY) | +27.1% | +0.9% | +26.2 pts |
| Loan growth (YoY) | -9.7% | -2.6% | -7.1 pts |
| ROA | 0.77% | 0.65% | +0.1 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.2M | $1.8M | $666K | $395K | $8K | 0.77% | 4.39% | 0.00% | 106 |
| Q1 2026 | $1.8M | $1.4M | $626K | $400K | $13K | 2.93% | 7.17% | 0.00% | 107 |
| Q4 2025 | $1.7M | $1.3M | $793K | $386K | $2K | 0.11% | 6.10% | 0.00% | 113 |
| Q3 2025 | $1.7M | $1.3M | $682K | $393K | $9K | 0.67% | 5.58% | 6.60% | 116 |
| Q2 2025 | $1.8M | $1.4M | $737K | $392K | $7K | 0.84% | 5.57% | 0.00% | 123 |
| Q1 2025 | $1.8M | $1.4M | $672K | $395K | $10K | 2.17% | 6.81% | 0.00% | 125 |
| Q4 2024 | $1.7M | $1.3M | $691K | $385K | $21K | 1.26% | 7.00% | 5.00% | 127 |
| Q3 2024 | $1.7M | $1.3M | $836K | $383K | $20K | 1.56% | 6.43% | 5.82% | 129 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.65% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.7M |
| $1.3M |
| $844K |
| $376K |
| $12K |
| 1.44% |
| 6.27% |
| 0.00% |
| 129 |
Loan mix (Q2 2026): real estate $0 · commercial $327K · consumer $180K · securities $606K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 80.6% | 54th |
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: Dawson, NE, ranked 13th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dawson, NE | 1 | $1.8M* | 0.11% | 13th |
Nebraska: 221st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1