| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.1% | +2.6 pts |
| Share growth (YoY) | +6.3% | +3.5% | +2.7 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.5 pts |
| ROA | 1.66% | 0.74% | +0.9 pts |
| ROE | 8.0% | 6.5% | +1.5 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.5M | $235.0M | $173.0M | $61.4M | $2.5M | 1.66% | 2.83% | 0.48% | 8,631 |
| Q1 2026 | $294.7M | $234.5M | $166.7M | $60.1M | $1.1M | 1.50% | 2.76% | 0.55% | 8,323 |
| Q4 2025 | $284.9M | $225.2M | $170.2M | $59.0M | $4.6M | 1.61% | 2.82% | 0.53% | 8,605 |
| Q3 2025 | $277.2M | $219.3M | $163.4M | $57.8M | $3.4M | 1.64% | 2.86% | 0.53% | 8,662 |
| Q2 2025 | $277.9M | $221.1M | $164.1M | $56.6M | $2.2M | 1.61% | 2.82% | 0.67% | 8,615 |
| Q1 2025 | $285.5M | $229.9M | $161.1M | $55.4M | $1.0M | 1.47% | 2.70% | 0.52% | 8,634 |
| Q4 2024 | $283.0M | $228.4M | $168.7M | $54.4M | $4.8M | 1.70% | 2.83% | 0.46% | 8,609 |
| Q3 2024 | $273.2M | $220.0M | $163.5M | $53.2M | $3.6M | 1.76% | 2.89% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.74% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 6.5% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 8,596 |
| Q2 2024 | $266.6M | $214.2M | $160.6M | $52.0M | $2.4M | 1.80% | 2.96% | 0.47% | 8,639 |
Loan mix (Q2 2026): real estate $21.9M · commercial $117.9M · consumer $20.2M · securities $68.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.6% | 77.5% | 1st |
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.
4 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Lac Qui Parle, MN, ranked 1st with 38.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lac Qui Parle, MN | 2 | $117.5M* | 38.53% | 1st |
| Renville, MN | 1 | $58.7M* | 11.19% | 4th |
| Otter Tail, MN | 1 | $58.7M* | 2.42% | 13th |
Minnesota: 155th with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4