| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -5.0% | +0.9% | -5.9 pts |
| Loan growth (YoY) | -13.7% | -2.6% | -11.1 pts |
| ROA | -2.20% | 0.65% | -2.9 pts |
| ROE | -26.0% | 4.4% | -30.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.8M | $6.2M | $3.2M | $573K | $-75K | -2.20% | 3.12% | 0.96% | 1,727 |
| Q1 2026 | $6.5M | $5.9M | $3.2M | $622K | $-26K | -1.56% | 3.39% | 2.09% | 1,760 |
| Q4 2025 | $6.6M | $5.9M | $3.3M | $647K | $-165K | -2.51% | 3.71% | 1.50% | 1,794 |
| Q3 2025 | $7.0M | $6.4M | $3.7M | $687K | $-157K | -2.97% | 3.08% | 1.02% | 1,857 |
| Q2 2025 | $7.2M | $6.5M | $3.7M | $658K | $-154K | -4.29% | 3.31% | 5.97% | 2,004 |
| Q1 2025 | $7.5M | $6.7M | $3.8M | $780K | $-32K | -1.71% | 3.58% | 2.62% | 2,011 |
| Q4 2024 | $7.3M | $6.5M | $3.8M | $812K | $-91K | -1.24% | 3.43% | 8.65% | 1,999 |
| Q3 2024 | $7.3M | $6.5M | $3.8M | $799K | $-104K | -1.90% | 3.28% | 3.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.20% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -26.0% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,005 |
| Q2 2024 | $7.4M | $6.6M | $3.6M | $833K | $-70K | -1.89% | 2.99% | 2.14% | 2,007 |
Loan mix (Q2 2026): real estate $1.3M · commercial $0 · consumer $1.6M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 139.6% | 80.6% | 97th |
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: Wyandotte, KS, ranked 26th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wyandotte, KS | 1 | $6.2M* | 0.21% | 26th |
Kansas: 290th with 0.01% · Kansas City metro: 149th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1