| Metric | Farmway Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.1% | +3.3 pts |
| Share growth (YoY) | +8.6% | +3.5% | +5.1 pts |
| Loan growth (YoY) | +6.8% | +2.9% | +3.9 pts |
| ROA | 0.59% | 0.74% | -0.1 pts |
| ROE | 2.7% | 6.5% | -3.8 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.8M | $82.7M | $69.0M | $23.4M | $316K | 0.59% | 4.39% | 0.95% | 7,391 |
| Q1 2026 | $107.2M | $83.2M | $66.5M | $23.3M | $187K | 0.70% | 4.38% | 0.86% | 7,417 |
| Q4 2025 | $102.2M | $78.7M | $63.4M | $23.1M | $676K | 0.66% | 4.34% | 1.01% | 7,418 |
| Q3 2025 | $99.9M | $76.3M | $64.4M | $22.9M | $442K | 0.59% | 4.33% | 1.42% | 7,429 |
| Q2 2025 | $99.4M | $76.1M | $64.6M | $22.8M | $381K | 0.77% | 4.36% | 1.80% | 7,427 |
| Q1 2025 | $101.5M | $78.1M | $63.4M | $22.6M | $181K | 0.71% | 4.20% | 2.17% | 7,415 |
| Q4 2024 | $100.3M | $77.3M | $63.4M | $22.4M | $520K | 0.52% | 3.84% | 1.20% | 7,469 |
| Q3 2024 | $99.8M | $77.0M | $64.7M | $22.3M | $339K | 0.45% | 3.81% | 0.76% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.74% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 6.5% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 7,463 |
| Q2 2024 | $98.5M | $72.4M | $66.2M | $22.2M | $232K | 0.47% | 3.86% | 0.34% | 7,496 |
Loan mix (Q2 2026): real estate $8.4M · commercial $45.1M · consumer $13.8M · securities $29.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 77.5% | 87th |
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 | Farmway Credit Union | 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 | Farmway Credit Union | 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 | Farmway Credit Union | 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 | Farmway Credit Union | 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 | Farmway Credit Union | 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.
5 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Mitchell, KS, ranked 5th with 7.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mitchell, KS | 2 | $33.1M* | 7.36% | 5th |
| Osborne, KS | 1 | $16.5M* | 6.84% | 5th |
| Lincoln, KS | 1 | $16.5M* | 9.43% | 4th |
| 1 more county with Pro → | ||||
Kansas: 191st with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5 · 2026 5