| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +0.6% | +0.9% | -0.4 pts |
| Loan growth (YoY) | -6.6% | -2.6% | -4.0 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 3.8% | 4.4% | -0.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.1M | $45.6M | $28.2M | $10.0M | $188K | 0.68% | 3.27% | 0.10% | 3,386 |
| Q1 2026 | $56.0M | $46.6M | $28.3M | $9.9M | $95K | 0.68% | 3.20% | 0.20% | 3,427 |
| Q4 2025 | $53.7M | $44.3M | $28.8M | $9.8M | $354K | 0.66% | 3.13% | 0.89% | 3,489 |
| Q3 2025 | $53.2M | $43.8M | $29.2M | $9.7M | $324K | 0.81% | 3.15% | 0.76% | 3,489 |
| Q2 2025 | $54.8M | $45.4M | $30.2M | $9.6M | $222K | 0.81% | 3.10% | 0.86% | 3,711 |
| Q1 2025 | $55.7M | $46.1M | $30.3M | $9.5M | $88K | 0.63% | 2.89% | 0.02% | 3,558 |
| Q4 2024 | $53.5M | $43.9M | $30.4M | $9.4M | $420K | 0.79% | 2.99% | 0.14% | 3,598 |
| Q3 2024 | $52.7M | $43.3M | $30.2M | $9.3M | $327K | 0.83% | 3.06% | 0.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,591 |
| Q2 2024 | $52.7M | $43.4M | $29.3M | $9.2M | $215K | 0.82% | 3.03% | 0.26% | 3,584 |
Loan mix (Q2 2026): real estate $9.6M · commercial $0 · consumer $17.8M · securities $20.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 80.6% | 55th |
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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Shawnee, KS, ranked 18th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shawnee, KS | 3 | $45.6M* | 0.66% | 18th |
Kansas: 231st with 0.04% · Topeka metro: 29th, 0.56% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 2 · 2026 3