| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.6% | +3.9% | +15.7 pts |
| Share growth (YoY) | +16.9% | +3.3% | +13.6 pts |
| Loan growth (YoY) | +11.4% | +2.9% | +8.5 pts |
| ROA | 2.94% | 0.69% | +2.2 pts |
| ROE | 28.2% | 5.9% | +22.2 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $335.0M | $287.8M | $247.0M | $35.0M | $2.5M | 2.94% | 7.03% | 1.27% | 21,663 |
| Q4 2025 | $301.0M | $254.9M | $235.9M | $32.5M | $1.5M | 0.50% | 4.67% | 1.53% | 21,351 |
| Q3 2025 | $290.6M | $250.2M | $231.7M | $32.1M | $842K | 0.39% | 4.78% | 1.34% | 21,253 |
| Q2 2025 | $284.4M | $246.3M | $227.2M | $31.5M | $264K | 0.19% | 4.74% | 1.42% | 20,974 |
| Q1 2025 | $280.2M | $246.3M | $221.6M | $29.9M | $-218K | -0.31% | 4.65% | 1.38% | 20,760 |
| Q4 2024 | $270.5M | $235.4M | $217.2M | $30.1M | $2.2M | 0.80% | 4.75% | 1.13% | 20,642 |
| Q3 2024 | $280.2M | $235.7M | $217.4M | $29.8M | $1.6M | 0.78% | 4.52% | 1.00% | 20,569 |
| Q2 2024 | $284.6M | $240.2M | $215.0M | $29.1M | $961K | 0.67% | 4.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.94% | 0.69% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 28.2% | 5.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.03% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 20,485 |
Loan mix (Q1 2026): real estate $86.6M · commercial $27.9M · consumer $112.0M · securities $26.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 78.7% | 9th |
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.
5 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Olmsted, MN, ranked 14th with 2.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Olmsted, MN | 4 | $197.0M* | 2.77% | 14th |
| Wabasha, MN | 1 | $49.3M* | 5.54% | 6th |
Minnesota: 137th with 0.07% · Rochester metro: 11th, 2.71% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 5 · 2025 5