| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +5.5% | +0.9% | +4.6 pts |
| Loan growth (YoY) | +4.2% | -2.6% | +6.8 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 7.2% | 4.4% | +2.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.1M | $12.3M | $7.7M | $1.8M | $64K | 0.91% | 4.39% | 0.00% | 1,502 |
| Q1 2026 | $14.2M | $12.4M | $7.5M | $1.7M | $34K | 0.96% | 4.27% | 0.00% | 1,493 |
| Q4 2025 | $13.8M | $12.1M | $7.2M | $1.7M | $121K | 0.87% | 4.56% | 0.05% | 1,491 |
| Q3 2025 | $13.5M | $11.7M | $7.0M | $1.7M | $118K | 1.17% | 4.64% | 0.38% | 1,487 |
| Q2 2025 | $13.3M | $11.6M | $7.3M | $1.7M | $80K | 1.21% | 4.75% | 0.17% | 1,495 |
| Q1 2025 | $13.8M | $12.2M | $7.4M | $1.6M | $39K | 1.12% | 4.52% | 0.08% | 1,490 |
| Q4 2024 | $13.9M | $12.2M | $7.5M | $1.6M | $216K | 1.56% | 4.29% | 0.11% | 1,496 |
| Q3 2024 | $13.5M | $11.9M | $7.8M | $1.6M | $177K | 1.75% | 4.30% | 0.01% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,512 |
| Q2 2024 | $13.6M | $12.1M | $7.9M | $1.5M | $109K | 1.60% | 4.12% | 0.02% | 1,533 |
Loan mix (Q2 2026): real estate $1.8M · commercial $93K · consumer $4.6M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 80.6% | 56th |
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 36th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cass, ND | 1 | $12.3M* | 0.10% | 36th |
North Dakota: 100th with 0.03% · Fargo metro: 40th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1