| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -12.2% | +0.9% | -13.2 pts |
| Loan growth (YoY) | +19.1% | -2.6% | +21.7 pts |
| ROA | 0.96% | 0.65% | +0.3 pts |
| ROE | 5.3% | 4.4% | +0.9 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.4M | $13.3M | $14.8M | $3.0M | $79K | 0.96% | 4.10% | 0.05% | 1,412 |
| Q1 2026 | $16.3M | $13.3M | $11.9M | $2.9M | $29K | 0.72% | 3.77% | 0.30% | 1,412 |
| Q4 2025 | $15.2M | $12.2M | $11.7M | $2.9M | $125K | 0.82% | 4.62% | 0.00% | 1,472 |
| Q3 2025 | $15.7M | $12.7M | $12.0M | $2.9M | $108K | 0.92% | 4.74% | 0.13% | 1,577 |
| Q2 2025 | $18.1M | $15.2M | $12.4M | $2.8M | $63K | 0.69% | 4.21% | 0.19% | 1,856 |
| Q1 2025 | $16.7M | $13.9M | $13.0M | $2.8M | $37K | 0.88% | 4.54% | 0.00% | 1,874 |
| Q4 2024 | $18.3M | $15.6M | $13.7M | $2.8M | $193K | 1.05% | 4.36% | 0.06% | 1,895 |
| Q3 2024 | $18.0M | $15.2M | $14.3M | $2.7M | $136K | 1.01% | 4.40% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,900 |
| Q2 2024 | $18.7M | $16.0M | $14.3M | $2.6M | $70K | 0.75% | 4.10% | 0.00% | 1,921 |
Loan mix (Q2 2026): real estate $3.8M · commercial $0 · consumer $3.5M · securities $66K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 80.6% | 48th |
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 (+2 vs 2025). Biggest market: Douglas, NE, ranked 66th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, NE | 2 | $8.9M* | 0.02% | 66th |
| Hillsborough, FL | 1 | $4.4M* | 0.01% | 76th |
Nebraska: 208th with 0.01% · Florida: 325th with 0.00% · Omaha metro: 101st, 0.02% · Tampa-St. Petersburg-Clearwater metro: 93rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3