| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -3.2% | +0.9% | -4.2 pts |
| Loan growth (YoY) | +4.4% | -2.6% | +7.0 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.5M | $35.7M | $25.6M | $5.4M | $121K | 0.58% | 3.97% | 1.86% | 3,515 |
| Q1 2026 | $42.4M | $36.7M | $25.1M | $5.3M | $45K | 0.43% | 3.90% | 2.13% | 3,523 |
| Q4 2025 | $41.4M | $35.7M | $24.7M | $5.2M | $92K | 0.22% | 4.10% | 2.13% | 3,489 |
| Q3 2025 | $41.4M | $35.6M | $25.1M | $5.3M | $198K | 0.64% | 4.13% | 2.15% | 3,509 |
| Q2 2025 | $42.6M | $36.9M | $24.6M | $5.3M | $187K | 0.88% | 3.91% | 1.81% | 3,501 |
| Q1 2025 | $41.7M | $36.1M | $23.9M | $5.2M | $91K | 0.87% | 3.96% | 1.82% | 3,492 |
| Q4 2024 | $40.6M | $35.0M | $24.3M | $5.1M | $198K | 0.49% | 4.35% | 2.27% | 3,743 |
| Q3 2024 | $41.2M | $35.7M | $24.6M | $5.1M | $149K | 0.48% | 4.36% | 2.04% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,973 |
| Q2 2024 | $41.5M | $35.8M | $24.6M | $5.0M | $97K | 0.47% | 4.29% | 3.19% | 3,985 |
Loan mix (Q2 2026): real estate $5.4M · commercial $0 · consumer $18.6M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 80.6% | 63rd |
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: Webster, IA, ranked 12th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Webster, IA | 1 | $35.7M* | 2.62% | 12th |
Iowa: 296th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1