| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +1.3% | -6.3 pts |
| Share growth (YoY) | -5.1% | +0.9% | -6.0 pts |
| Loan growth (YoY) | -4.8% | -2.6% | -2.1 pts |
| ROA | -0.83% | 0.65% | -1.5 pts |
| ROE | -4.4% | 4.4% | -8.8 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.7M | $7.0M | $5.4M | $1.6M | $-36K | -0.83% | 4.45% | 0.25% | 887 |
| Q1 2026 | $8.8M | $7.2M | $5.7M | $1.7M | $-15K | -0.66% | 4.63% | 0.00% | 885 |
| Q4 2025 | $9.0M | $7.3M | $5.7M | $1.7M | $-86K | -0.95% | 4.35% | 0.00% | 904 |
| Q3 2025 | $9.2M | $7.4M | $5.4M | $1.7M | $-59K | -0.86% | 4.19% | 0.69% | 914 |
| Q2 2025 | $9.1M | $7.4M | $5.6M | $1.7M | $-39K | -0.86% | 4.17% | 0.91% | 927 |
| Q1 2025 | $9.4M | $7.6M | $5.7M | $1.8M | $-9K | -0.40% | 4.36% | 0.92% | 926 |
| Q4 2024 | $9.2M | $7.4M | $5.7M | $1.8M | $-54K | -0.59% | 3.61% | 0.96% | 932 |
| Q3 2024 | $9.3M | $7.5M | $5.5M | $1.7M | $-102K | -1.45% | 3.54% | 0.58% | 933 |
| Ratio | First Pace Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.83% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -4.4% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.6M | $7.8M | $6.0M | $1.8M | $-60K | -1.25% | 3.42% | 0.02% | 936 |
Loan mix (Q2 2026): real estate $1.0M · commercial $0 · consumer $3.3M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.7% | 80.6% | 94th |
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 | First Pace 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 | First Pace 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 | First Pace 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 | First Pace 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 | First Pace 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.
3 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: Dakota, MN, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dakota, MN | 2 | $4.7M* | 0.04% | 50th |
| Ramsey, MN | 1 | $2.3M* | 0.00% | 58th |
Minnesota: 360th with 0.00% · Minneapolis-St. Paul-Bloomington metro: 167th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3