| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.1% | -0.0 pts |
| Share growth (YoY) | +3.4% | +3.5% | -0.2 pts |
| Loan growth (YoY) | +6.3% | +2.9% | +3.4 pts |
| ROA | 1.39% | 0.74% | +0.6 pts |
| ROE | 10.0% | 6.5% | +3.5 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $222.3M | $190.7M | $162.9M | $30.7M | $1.5M | 1.39% | 3.79% | 0.23% | 12,735 |
| Q1 2026 | $217.3M | $186.5M | $158.6M | $29.9M | $722K | 1.33% | 3.91% | 0.25% | 12,599 |
| Q4 2025 | $215.4M | $185.2M | $157.6M | $29.4M | $2.8M | 1.29% | 3.83% | 0.80% | 12,835 |
| Q3 2025 | $213.5M | $183.9M | $156.3M | $28.8M | $2.2M | 1.35% | 3.80% | 0.91% | 12,832 |
| Q2 2025 | $213.5M | $184.5M | $153.2M | $28.1M | $1.5M | 1.43% | 3.72% | 0.66% | 12,708 |
| Q1 2025 | $212.8M | $184.7M | $149.8M | $27.3M | $670K | 1.26% | 3.68% | 0.60% | 12,604 |
| Q4 2024 | $204.4M | $177.0M | $145.6M | $26.8M | $2.8M | 1.38% | 3.57% | 0.51% | 12,451 |
| Q3 2024 | $200.6M | $173.9M | $143.4M | $26.1M | $2.2M | 1.43% | 3.57% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.74% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 6.5% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 12,411 |
| Q2 2024 | $195.3M | $169.7M | $139.8M | $25.3M | $1.3M | 1.33% | 3.58% | 0.66% | 12,169 |
Loan mix (Q2 2026): real estate $65.2M · commercial $37.3M · consumer $58.4M · securities $22.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 77.5% | 16th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Fremont, WY, ranked 3rd with 14.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fremont, WY | 3 | $190.7M* | 14.65% | 3rd |
Wyoming: 40th with 0.73% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3