| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | +4.5% | +0.9% | +3.6 pts |
| Loan growth (YoY) | +6.3% | -2.6% | +8.9 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 3.4% | 4.4% | -1.0 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.4M | $63.1M | $55.6M | $6.0M | $101K | 0.29% | 3.51% | 1.80% | 5,037 |
| Q1 2026 | $69.7M | $62.8M | $54.6M | $6.0M | $73K | 0.42% | 3.55% | 1.01% | 5,041 |
| Q4 2025 | $67.6M | $60.0M | $54.6M | $5.9M | $515K | 0.76% | 3.42% | 0.83% | 5,106 |
| Q3 2025 | $66.3M | $58.2M | $54.0M | $5.8M | $384K | 0.77% | 3.39% | 1.15% | 5,057 |
| Q2 2025 | $66.6M | $60.4M | $52.3M | $5.6M | $202K | 0.61% | 3.23% | 0.57% | 5,026 |
| Q1 2025 | $67.6M | $61.6M | $50.9M | $5.4M | $47K | 0.28% | 3.06% | 0.84% | 4,997 |
| Q4 2024 | $69.7M | $62.7M | $50.8M | $5.4M | $108K | 0.15% | 2.58% | 0.83% | 4,984 |
| Q3 2024 | $68.7M | $61.7M | $49.7M | $5.3M | $11K | 0.02% | 2.52% | 0.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,988 |
| Q2 2024 | $69.1M | $62.2M | $49.5M | $5.2M | $-42K | -0.12% | 2.40% | 0.50% | 4,962 |
Loan mix (Q2 2026): real estate $23.2M · commercial $0 · consumer $26.8M · securities $9.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 80.6% | 40th |
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: Brown, SD, ranked 9th with 2.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brown, SD | 1 | $63.1M* | 2.87% | 9th |
South Dakota: 72nd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1