| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.3% | +0.9% | +3.4 pts |
| Loan growth (YoY) | +3.0% | -2.6% | +5.6 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 7.2% | 4.4% | +2.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.3M | $23.0M | $8.9M | $3.2M | $115K | 0.88% | 3.38% | 0.08% | 2,025 |
| Q1 2026 | $26.4M | $23.0M | $8.7M | $3.1M | $64K | 0.97% | 3.33% | 0.12% | 2,032 |
| Q4 2025 | $25.6M | $22.4M | $8.5M | $3.1M | $303K | 1.18% | 3.59% | 0.08% | 2,036 |
| Q3 2025 | $25.3M | $22.1M | $8.4M | $3.0M | $241K | 1.27% | 3.69% | 0.21% | 2,032 |
| Q2 2025 | $25.1M | $22.0M | $8.6M | $2.9M | $135K | 1.08% | 3.74% | 0.72% | 2,042 |
| Q1 2025 | $24.6M | $21.7M | $8.6M | $2.8M | $72K | 1.17% | 3.78% | 0.03% | 2,062 |
| Q4 2024 | $23.3M | $20.3M | $8.3M | $2.8M | $410K | 1.76% | 4.09% | 0.01% | 2,070 |
| Q3 2024 | $22.7M | $19.9M | $8.3M | $2.7M | $332K | 1.95% | 4.11% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,094 |
| Q2 2024 | $22.8M | $20.1M | $8.2M | $2.6M | $224K | 1.96% | 3.99% | 0.06% | 2,132 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $6.0M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 80.6% | 39th |
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: Floyd, IA, ranked 5th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Floyd, IA | 1 | $23.0M* | 3.69% | 5th |
Iowa: 312th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1