| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -0.9% | +0.9% | -1.8 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.4 pts |
| ROA | 0.35% | 0.65% | -0.3 pts |
| ROE | 2.6% | 4.4% | -1.7 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.0M | $38.0M | $30.0M | $5.8M | $77K | 0.35% | 5.10% | 3.37% | 3,093 |
| Q1 2026 | $44.7M | $38.8M | $29.9M | $5.8M | $51K | 0.45% | 4.82% | 3.21% | 3,132 |
| Q4 2025 | $42.9M | $37.0M | $30.2M | $5.7M | $341K | 0.79% | 5.18% | 1.73% | 3,006 |
| Q3 2025 | $43.6M | $37.8M | $31.2M | $5.7M | $297K | 0.91% | 5.01% | 2.99% | 3,115 |
| Q2 2025 | $44.0M | $38.4M | $31.2M | $5.6M | $174K | 0.79% | 4.89% | 3.48% | 3,097 |
| Q1 2025 | $42.8M | $37.2M | $31.4M | $5.5M | $107K | 1.00% | 5.06% | 2.18% | 3,022 |
| Q4 2024 | $43.7M | $38.2M | $32.3M | $5.4M | $41K | 0.09% | 4.43% | 3.15% | 3,021 |
| Q3 2024 | $44.5M | $39.0M | $33.2M | $5.5M | $130K | 0.39% | 4.20% | 3.15% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.65% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,175 |
| Q2 2024 | $44.1M | $38.7M | $33.5M | $5.4M | $33K | 0.15% | 4.14% | 1.53% | 3,019 |
Loan mix (Q2 2026): real estate $11.5M · commercial $0 · consumer $17.2M · securities $11.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 80.6% | 71st |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Douglas, NE, ranked 53rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, NE | 2 | $25.3M* | 0.07% | 53rd |
| Spokane, WA | 1 | $12.7M* | 0.06% | 37th |
Nebraska: 184th with 0.02% · Washington: 152nd with 0.00% · Omaha metro: 87th, 0.05% · Spokane-Spokane Valley metro: 38th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3