| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +4.3% | +0.9% | +3.3 pts |
| Loan growth (YoY) | +3.9% | -2.6% | +6.5 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 5.9% | 4.4% | +1.5 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.2M | $36.4M | $26.4M | $7.7M | $229K | 1.04% | 5.31% | 1.12% | 3,462 |
| Q1 2026 | $44.9M | $37.2M | $26.6M | $7.7M | $195K | 1.73% | 5.05% | 0.95% | 3,418 |
| Q4 2025 | $44.8M | $37.2M | $26.5M | $7.5M | $3.1M | 6.83% | 4.78% | 0.94% | 3,380 |
| Q3 2025 | $43.0M | $34.3M | $26.9M | $6.9M | $2.5M | 7.61% | 4.96% | 0.34% | 3,332 |
| Q2 2025 | $42.4M | $34.9M | $25.4M | $5.0M | $263K | 1.24% | 5.24% | 0.13% | 3,333 |
| Q1 2025 | $43.1M | $35.7M | $24.7M | $4.9M | $375K | 3.48% | 4.87% | 0.58% | 3,271 |
| Q4 2024 | $42.7M | $35.6M | $24.2M | $4.5M | $1.0M | 2.35% | 4.49% | 0.66% | 3,353 |
| Q3 2024 | $41.6M | $34.3M | $23.3M | $4.3M | $1.2M | 3.90% | 4.63% | 0.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,344 |
| Q2 2024 | $40.4M | $33.3M | $22.3M | $3.9M | $817K | 4.05% | 4.58% | 0.60% | 3,326 |
Loan mix (Q2 2026): real estate $7.7M · commercial $922K · consumer $14.9M · securities $12.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 80.6% | 29th |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Charles Mix, SD, ranked 6th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Charles Mix, SD | 2 | $24.3M* | 4.77% | 6th |
| Stark, OH | 1 | $12.1M* | 0.11% | 33rd |
South Dakota: 99th with 0.00% · Ohio: 354th with 0.00% · Canton-Massillon metro: 34th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3