| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +3.9% | +0.9% | +3.0 pts |
| Loan growth (YoY) | +4.3% | -2.6% | +6.9 pts |
| ROA | 1.51% | 0.65% | +0.9 pts |
| ROE | 10.7% | 4.4% | +6.3 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 | $66.7M | $56.8M | $51.9M | $9.5M | $504K | 1.51% | 4.64% | 0.95% | 4,881 |
| Q1 2026 | $66.3M | $56.6M | $50.6M | $9.3M | $342K | 2.06% | 4.59% | 1.39% | 4,836 |
| Q4 2025 | $66.0M | $55.4M | $50.5M | $10.3M | $992K | 1.50% | 4.64% | 1.44% | 4,855 |
| Q3 2025 | $65.8M | $55.1M | $50.7M | $10.2M | $834K | 1.69% | 4.65% | 1.93% | 4,856 |
| Q2 2025 | $65.1M | $54.6M | $49.8M | $9.9M | $501K | 1.54% | 4.59% | 1.53% | 4,833 |
| Q1 2025 | $64.8M | $54.6M | $47.6M | $9.6M | $222K | 1.37% | 4.60% | 1.41% | 4,805 |
| Q4 2024 | $60.6M | $50.8M | $46.4M | $9.4M | $1.2M | 2.05% | 5.11% | 1.29% | 4,795 |
| Q3 2024 | $60.1M | $50.7M | $46.1M | $9.1M | $959K | 2.13% | 5.15% | 1.44% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,796 |
| Q2 2024 | $57.4M | $48.2M | $44.4M | $8.7M | $605K | 2.11% | 5.36% | 1.12% | 4,818 |
Loan mix (Q2 2026): real estate $25.8M · commercial $0 · consumer $25.1M · securities $10.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 80.6% | 21st |
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.
4 branches in 1 county across 1 state (-1 vs 2025). Biggest market: St. Louis, MN, ranked 25th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MN | 4 | $56.8M* | 0.80% | 25th |
Minnesota: 296th with 0.02% · Duluth metro: 31st, 0.63% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 4