| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.1% | +1.3% | -9.3 pts |
| Share growth (YoY) | -8.6% | +0.9% | -9.5 pts |
| Loan growth (YoY) | +2.1% | -2.6% | +4.7 pts |
| ROA | -1.44% | 0.65% | -2.1 pts |
| ROE | -13.2% | 4.4% | -17.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.3M | $15.3M | $13.3M | $1.9M | $-125K | -1.44% | 3.34% | 0.62% | 1,410 |
| Q1 2026 | $18.3M | $16.3M | $13.1M | $2.0M | $-16K | -0.35% | 3.13% | 0.11% | 1,406 |
| Q4 2025 | $18.6M | $16.6M | $13.9M | $2.0M | $-10K | -0.05% | 3.32% | 0.25% | 1,415 |
| Q3 2025 | $18.2M | $16.2M | $13.5M | $2.0M | $-6K | -0.04% | 3.42% | 0.00% | 1,405 |
| Q2 2025 | $18.8M | $16.8M | $13.0M | $2.0M | $13K | 0.14% | 3.44% | 0.00% | 1,389 |
| Q1 2025 | $16.9M | $14.8M | $12.9M | $2.0M | $22K | 0.51% | 4.19% | 0.00% | 1,388 |
| Q4 2024 | $17.6M | $15.6M | $13.0M | $2.0M | $110K | 0.62% | 3.78% | 0.06% | 1,388 |
| Q3 2024 | $16.8M | $14.8M | $13.9M | $2.0M | $91K | 0.72% | 4.00% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.44% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -13.2% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,393 |
| Q2 2024 | $17.1M | $15.1M | $14.0M | $2.0M | $60K | 0.70% | 4.00% | 0.00% | 1,390 |
Loan mix (Q2 2026): real estate $5.2M · commercial $0 · consumer $7.4M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.4% | 80.6% | 92nd |
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: Ramsey, MN, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ramsey, MN | 1 | $15.3M* | 0.02% | 52nd |
Minnesota: 352nd with 0.00% · Minneapolis-St. Paul-Bloomington metro: 162nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1