| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.1% | -4.6 pts |
| Share growth (YoY) | -2.2% | +3.5% | -5.8 pts |
| Loan growth (YoY) | +6.8% | +2.9% | +3.9 pts |
| ROA | 1.36% | 0.74% | +0.6 pts |
| ROE | 8.9% | 6.5% | +2.4 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.3M | $106.1M | $66.3M | $19.1M | $852K | 1.36% | 4.16% | 1.24% | 10,945 |
| Q1 2026 | $125.5M | $106.6M | $62.2M | $18.7M | $410K | 1.30% | 4.04% | 0.79% | 10,915 |
| Q4 2025 | $121.7M | $103.4M | $61.1M | $18.3M | $1.5M | 1.27% | 4.11% | 1.30% | 12,194 |
| Q3 2025 | $123.7M | $105.9M | $61.3M | $18.0M | $1.2M | 1.34% | 4.00% | 1.91% | 12,502 |
| Q2 2025 | $126.0M | $108.5M | $62.1M | $17.5M | $790K | 1.25% | 3.88% | 1.32% | 12,342 |
| Q1 2025 | $126.5M | $109.5M | $63.3M | $17.0M | $311K | 0.98% | 3.72% | 1.20% | 12,342 |
| Q4 2024 | $121.9M | $105.8M | $65.2M | $16.7M | $566K | 0.46% | 3.78% | 1.22% | 12,342 |
| Q3 2024 | $122.7M | $106.5M | $68.5M | $16.6M | $476K | 0.52% | 3.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.74% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 6.5% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.08% |
| 12,073 |
| Q2 2024 | $123.6M | $107.5M | $72.8M | $16.5M | $300K | 0.49% | 3.52% | 1.09% | 12,713 |
Loan mix (Q2 2026): real estate $20.2M · commercial $0 · consumer $42.2M · securities $34.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 77.5% | 21st |
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.
5 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Crawford, KS, ranked 8th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, KS | 2 | $42.4M* | 3.73% | 8th |
| Montgomery, KS | 2 | $42.4M* | 4.61% | 8th |
| Bourbon, KS | 1 | $21.2M* | 5.81% | 6th |
Kansas: 172nd with 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5