| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +5.9 pts |
| Share growth (YoY) | +8.6% | +0.9% | +7.6 pts |
| Loan growth (YoY) | -3.1% | -2.6% | -0.5 pts |
| ROA | -0.09% | 0.65% | -0.7 pts |
| ROE | -0.7% | 4.4% | -5.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.8M | $3.2M | $643K | $506K | $-2K | -0.09% | 2.16% | 0.00% | 442 |
| Q1 2026 | $3.5M | $3.0M | $630K | $506K | $-2K | -0.19% | 2.14% | 0.00% | 442 |
| Q4 2025 | $3.5M | $3.0M | $747K | $508K | $-2K | -0.04% | 2.16% | 0.00% | 443 |
| Q3 2025 | $3.6M | $3.1M | $675K | $508K | $-60 | -0.00% | 2.16% | 0.00% | 446 |
| Q2 2025 | $3.5M | $3.0M | $664K | $509K | $1K | 0.07% | 2.22% | 0.00% | 452 |
| Q1 2025 | $3.8M | $3.3M | $769K | $509K | $1K | 0.15% | 2.10% | 0.00% | 455 |
| Q4 2024 | $3.9M | $3.4M | $908K | $508K | $-38K | -0.99% | 1.24% | 0.00% | 462 |
| Q3 2024 | $3.8M | $3.3M | $984K | $533K | $1K | 0.05% | 2.15% | 0.00% | 467 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.0M | $3.4M | $1.1M | $536K | $3K | 0.17% | 2.12% | 0.00% | 468 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $607K · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.1% | 80.6% | 89th |
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: Cass, ND, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cass, ND | 1 | $3.2M* | 0.03% | 40th |
North Dakota: 103rd with 0.01% · Fargo metro: 44th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1