| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +3.2% | +0.9% | +2.2 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.1 pts |
| ROA | 2.30% | 0.65% | +1.6 pts |
| ROE | 11.0% | 4.4% | +6.7 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.0M | $40.7M | $34.0M | $10.8M | $597K | 2.30% | 4.47% | 0.36% | 5,196 |
| Q1 2026 | $51.2M | $40.0M | $34.0M | $10.5M | $286K | 2.24% | 4.42% | 0.99% | 5,210 |
| Q4 2025 | $49.5M | $38.8M | $34.7M | $10.2M | $1.5M | 2.99% | 4.70% | 0.40% | 5,218 |
| Q3 2025 | $48.8M | $38.3M | $35.4M | $9.9M | $1.1M | 3.06% | 4.78% | 0.34% | 4,228 |
| Q2 2025 | $49.1M | $39.5M | $35.3M | $9.5M | $719K | 2.92% | 4.58% | 0.30% | 5,242 |
| Q1 2025 | $50.2M | $40.8M | $35.8M | $9.1M | $322K | 2.57% | 4.39% | 0.11% | 5,197 |
| Q4 2024 | $48.8M | $39.9M | $35.2M | $8.7M | $1.5M | 3.15% | 4.97% | 0.09% | 5,171 |
| Q3 2024 | $47.8M | $39.3M | $34.9M | $8.2M | $1.0M | 2.81% | 4.69% | 0.14% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.30% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,197 |
| Q2 2024 | $49.4M | $41.2M | $33.8M | $7.8M | $564K | 2.28% | 4.11% | 0.05% | 6,191 |
Loan mix (Q2 2026): real estate $7.6M · commercial $420K · consumer $23.8M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 80.6% | 9th |
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: Adams, NE, ranked 11th with 2.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adams, NE | 1 | $40.7M* | 2.76% | 11th |
Nebraska: 172nd with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1