| Metric | Lamoure Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +4.8% | +0.9% | +3.9 pts |
| Loan growth (YoY) | +5.9% | -2.6% | +8.5 pts |
| ROA | 1.76% | 0.65% | +1.1 pts |
| ROE | 9.3% | 4.4% | +4.9 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.8M | $31.4M | $18.2M | $7.3M | $342K | 1.76% | 3.58% | 0.00% | 1,126 |
| Q1 2026 | $40.6M | $33.3M | $17.0M | $7.2M | $157K | 1.55% | 3.28% | 0.00% | 1,122 |
| Q4 2025 | $39.9M | $32.9M | $17.9M | $7.0M | $735K | 1.84% | 3.54% | 0.00% | 1,119 |
| Q3 2025 | $36.9M | $29.9M | $17.6M | $6.9M | $608K | 2.20% | 3.84% | 0.00% | 1,123 |
| Q2 2025 | $36.6M | $29.9M | $17.2M | $6.7M | $406K | 2.22% | 3.82% | 0.00% | 1,127 |
| Q1 2025 | $38.0M | $31.5M | $16.5M | $6.5M | $197K | 2.08% | 3.63% | 0.00% | 1,133 |
| Q4 2024 | $37.9M | $31.6M | $17.2M | $6.3M | $970K | 2.56% | 3.97% | 0.00% | 1,138 |
| Q3 2024 | $34.6M | $28.5M | $17.4M | $6.1M | $813K | 3.13% | 4.34% | 0.15% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lamoure Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,144 |
| Q2 2024 | $34.6M | $28.6M | $17.0M | $5.9M | $591K | 3.42% | 4.36% | 0.00% | 1,143 |
Loan mix (Q2 2026): real estate $96K · commercial $13.0M · consumer $4.0M · securities $13.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 80.6% | 6th |
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 | Lamoure Credit Union | 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 | Lamoure Credit Union | 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 | Lamoure Credit Union | 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 | Lamoure Credit Union | 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 | Lamoure Credit Union | 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 (+1 vs 2025). Biggest market: Polk, IA, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Polk, IA | 1 | $15.7M* | 0.04% | 56th |
| Lamoure, ND | 1 | $15.7M* | 6.43% | 5th |
North Dakota: 95th with 0.03% · Iowa: 316th with 0.01% · Des Moines-West Des Moines metro: 78th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2