| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.1% | +3.4 pts |
| Share growth (YoY) | +7.1% | +3.5% | +3.6 pts |
| Loan growth (YoY) | +3.6% | +2.9% | +0.7 pts |
| ROA | 1.31% | 0.74% | +0.6 pts |
| ROE | 12.2% | 6.5% | +5.7 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.5M | $130.3M | $92.0M | $15.7M | $959K | 1.31% | 3.07% | 0.49% | 8,201 |
| Q1 2026 | $142.8M | $127.2M | $90.8M | $15.2M | $369K | 1.03% | 2.99% | 0.22% | 8,166 |
| Q4 2025 | $139.7M | $124.4M | $91.0M | $14.8M | $1.3M | 0.96% | 2.80% | 0.47% | 8,141 |
| Q3 2025 | $137.1M | $122.1M | $90.0M | $14.5M | $1.1M | 1.04% | 2.77% | 0.78% | 8,124 |
| Q2 2025 | $136.3M | $121.6M | $88.8M | $14.1M | $632K | 0.93% | 2.65% | 0.95% | 8,066 |
| Q1 2025 | $139.6M | $125.5M | $85.5M | $13.7M | $217K | 0.62% | 2.39% | 0.21% | 8,029 |
| Q4 2024 | $137.1M | $123.1M | $85.4M | $13.5M | $381K | 0.28% | 2.05% | 0.77% | 7,999 |
| Q3 2024 | $136.4M | $122.5M | $82.6M | $13.5M | $412K | 0.40% | 2.09% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.74% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 6.5% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.14% |
| 7,957 |
| Q2 2024 | $135.2M | $121.4M | $83.4M | $13.5M | $394K | 0.58% | 2.25% | 0.75% | 7,940 |
Loan mix (Q2 2026): real estate $71.7M · commercial $0 · consumer $18.7M · securities $28.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 77.5% | 16th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Lyon, KS, ranked 4th with 13.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lyon, KS | 2 | $130.3M* | 13.25% | 4th |
Kansas: 156th with 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2