| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +6.2% | +0.7% | +5.5 pts |
| Loan growth (YoY) | +5.1% | -2.4% | +7.5 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.4M | $57.6M | $36.5M | $8.7M | $118K | 0.71% | 2.57% | 0.12% | 4,931 |
| Q4 2025 | $62.9M | $54.2M | $37.1M | $8.5M | $465K | 0.74% | 2.49% | 0.38% | 4,950 |
| Q3 2025 | $62.5M | $53.9M | $37.4M | $8.4M | $348K | 0.74% | 2.48% | 0.31% | 4,936 |
| Q2 2025 | $62.6M | $54.2M | $36.7M | $8.3M | $233K | 0.74% | 2.44% | 0.09% | 4,885 |
| Q1 2025 | $62.5M | $54.3M | $34.8M | $8.1M | $62K | 0.40% | 2.18% | 0.01% | 4,811 |
| Q4 2024 | $59.6M | $51.5M | $34.1M | $8.1M | $205K | 0.34% | 2.08% | 0.23% | 4,821 |
| Q3 2024 | $59.4M | $51.3M | $34.5M | $8.0M | $95K | 0.21% | 2.03% | 0.00% | 4,820 |
| Q2 2024 | $57.2M | $49.3M | $34.3M | $7.9M | $15K | 0.05% | 2.02% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,811 |
Loan mix (Q1 2026): real estate $9.6M · commercial $0 · consumer $23.8M · securities $24.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 81.5% | 25th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Steele, MN, ranked 8th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Steele, MN | 2 | $54.2M* | 4.81% | 8th |
Minnesota: 292nd with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2