| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +1.3% | +9.1 pts |
| Share growth (YoY) | +10.1% | +0.9% | +9.2 pts |
| Loan growth (YoY) | +6.4% | -2.6% | +9.0 pts |
| ROA | 1.10% | 0.65% | +0.5 pts |
| ROE | 13.3% | 4.4% | +8.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.8M | $44.6M | $30.6M | $4.1M | $274K | 1.10% | 3.43% | 0.88% | 2,966 |
| Q1 2026 | $50.1M | $45.9M | $30.3M | $4.0M | $124K | 0.99% | 3.34% | 0.92% | 2,947 |
| Q4 2025 | $47.6M | $43.5M | $29.4M | $3.9M | $445K | 0.93% | 3.32% | 0.89% | 2,922 |
| Q3 2025 | $47.4M | $42.7M | $29.0M | $3.7M | $324K | 0.91% | 3.30% | 0.38% | 2,937 |
| Q2 2025 | $45.1M | $40.5M | $28.8M | $3.6M | $193K | 0.85% | 3.36% | 1.28% | 2,954 |
| Q1 2025 | $44.8M | $41.1M | $28.9M | $3.5M | $66K | 0.59% | 3.20% | 2.39% | 2,939 |
| Q4 2024 | $43.6M | $40.0M | $28.9M | $3.4M | $161K | 0.37% | 3.19% | 1.52% | 2,946 |
| Q3 2024 | $42.2M | $38.7M | $29.1M | $3.3M | $96K | 0.30% | 3.28% | 1.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,940 |
| Q2 2024 | $43.1M | $39.7M | $29.1M | $3.3M | $25K | 0.12% | 3.15% | 3.02% | 2,936 |
Loan mix (Q2 2026): real estate $23.7M · commercial $366K · consumer $5.2M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 80.6% | 27th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Chase, NE, ranked 5th with 6.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chase, NE | 1 | $22.3M* | 6.08% | 5th |
| Phillips, CO | 1 | $22.3M* | 7.18% | 5th |
Colorado: 178th with 0.01% · Nebraska: 190th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2