| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +6.9% | +0.9% | +5.9 pts |
| Loan growth (YoY) | +4.5% | -2.6% | +7.2 pts |
| ROA | 1.30% | 0.65% | +0.7 pts |
| ROE | 10.5% | 4.4% | +6.1 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.8M | $16.4M | $9.5M | $2.3M | $122K | 1.30% | 3.58% | 0.00% | 864 |
| Q1 2026 | $18.5M | $16.1M | $8.7M | $2.3M | $52K | 1.14% | 3.57% | 0.00% | 854 |
| Q4 2025 | $18.1M | $15.8M | $8.8M | $2.2M | $251K | 1.39% | 3.78% | 0.00% | 859 |
| Q3 2025 | $17.8M | $15.6M | $9.2M | $2.2M | $205K | 1.53% | 3.81% | 0.00% | 855 |
| Q2 2025 | $17.5M | $15.3M | $9.1M | $2.1M | $127K | 1.45% | 3.78% | 0.00% | 853 |
| Q1 2025 | $17.5M | $15.4M | $8.4M | $2.0M | $56K | 1.27% | 3.70% | 0.00% | 849 |
| Q4 2024 | $17.3M | $15.3M | $8.6M | $2.0M | $233K | 1.34% | 3.70% | 0.00% | 858 |
| Q3 2024 | $17.0M | $15.1M | $8.7M | $1.9M | $173K | 1.35% | 3.71% | 0.00% | 855 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $17.0M | $15.1M | $8.8M | $1.9M | $121K | 1.42% | 3.70% | 0.00% | 856 |
Loan mix (Q2 2026): real estate $4.1M · commercial $0 · consumer $3.9M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 80.6% | 17th |
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: Beadle, SD, ranked 8th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beadle, SD | 1 | $16.4M* | 2.10% | 8th |
South Dakota: 106th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1