| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.0 pts |
| Share growth (YoY) | -0.8% | +0.9% | -1.7 pts |
| Loan growth (YoY) | -15.4% | -2.6% | -12.8 pts |
| ROA | -0.38% | 0.65% | -1.0 pts |
| ROE | -1.5% | 4.4% | -5.9 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.4M | $6.3M | $3.7M | $2.1M | $-16K | -0.38% | 3.61% | 1.20% | 744 |
| Q1 2026 | $8.6M | $6.5M | $3.8M | $2.1M | $-23K | -1.06% | 3.50% | 1.31% | 748 |
| Q4 2025 | $8.5M | $6.3M | $3.9M | $2.1M | $-24K | -0.28% | 3.34% | 1.01% | 756 |
| Q3 2025 | $8.5M | $6.4M | $4.1M | $2.1M | $-30K | -0.47% | 3.20% | 1.01% | 780 |
| Q2 2025 | $8.5M | $6.3M | $4.3M | $2.1M | $-37K | -0.87% | 3.10% | 1.08% | 828 |
| Q1 2025 | $8.5M | $6.3M | $4.5M | $2.1M | $-36K | -1.70% | 2.83% | 2.17% | 876 |
| Q4 2024 | $8.4M | $6.2M | $4.8M | $2.1M | $-132K | -1.58% | 3.16% | 2.38% | 875 |
| Q3 2024 | $8.6M | $6.3M | $4.9M | $2.2M | $-74K | -1.14% | 3.09% | 1.83% | 903 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.38% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.6M | $6.3M | $5.0M | $2.2M | $-47K | -1.11% | 3.12% | 2.04% | 922 |
Loan mix (Q2 2026): real estate $516K · commercial $0 · consumer $2.7M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.7% | 80.6% | 91st |
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: Hennepin, MN, ranked 83rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 1 | $6.3M* | 0.00% | 83rd |
Minnesota: 362nd with 0.00% · Minneapolis-St. Paul-Bloomington metro: 169th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1