| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.1% | +1.2 pts |
| Share growth (YoY) | +4.5% | +3.5% | +1.0 pts |
| Loan growth (YoY) | +4.4% | +2.9% | +1.5 pts |
| ROA | 1.15% | 0.74% | +0.4 pts |
| ROE | 11.0% | 6.5% | +4.5 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $293.3M | $262.5M | $198.5M | $30.7M | $1.7M | 1.15% | 4.01% | 0.58% | 26,178 |
| Q1 2026 | $295.6M | $265.1M | $195.3M | $29.7M | $698K | 0.94% | 3.93% | 0.61% | 25,572 |
| Q4 2025 | $286.2M | $256.4M | $190.8M | $29.0M | $3.8M | 1.33% | 3.70% | 0.62% | 25,751 |
| Q3 2025 | $280.9M | $253.3M | $188.0M | $28.3M | $3.1M | 1.45% | 3.70% | 0.49% | 25,672 |
| Q2 2025 | $278.6M | $251.2M | $190.2M | $27.7M | $2.5M | 1.81% | 3.66% | 0.67% | 25,686 |
| Q1 2025 | $282.2M | $256.6M | $197.6M | $25.6M | $411K | 0.58% | 3.44% | 0.83% | 25,572 |
| Q4 2024 | $269.2M | $245.1M | $204.6M | $25.3M | $314K | 0.12% | 3.31% | 0.92% | 25,282 |
| Q3 2024 | $270.8M | $244.0M | $207.1M | $25.1M | $175K | 0.09% | 3.23% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.74% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 6.5% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 24,935 |
| Q2 2024 | $276.3M | $245.1M | $212.9M | $24.9M | $-94K | -0.07% | 3.11% | 0.57% | 24,586 |
Loan mix (Q2 2026): real estate $58.4M · commercial $0 · consumer $114.7M · securities $61.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 77.5% | 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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Steele, MN, ranked 3rd with 11.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Steele, MN | 2 | $131.3M* | 11.28% | 3rd |
| Rice, MN | 2 | $131.3M* | 5.99% | 8th |
Minnesota: 145th with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4