| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.6 pts |
| Share growth (YoY) | +6.6% | +0.9% | +5.6 pts |
| Loan growth (YoY) | +7.4% | -2.6% | +10.0 pts |
| ROA | -0.04% | 0.65% | -0.7 pts |
| ROE | -0.4% | 4.4% | -4.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.4M | $66.7M | $42.8M | $6.3M | $-13K | -0.04% | 2.80% | 0.89% | 6,719 |
| Q1 2026 | $72.7M | $66.5M | $40.9M | $6.2M | $-41K | -0.22% | 2.75% | 0.89% | 6,669 |
| Q4 2025 | $70.9M | $64.6M | $40.5M | $6.3M | $54K | 0.08% | 2.66% | 1.83% | 6,581 |
| Q3 2025 | $68.8M | $62.9M | $40.1M | $6.3M | $105K | 0.20% | 2.70% | 1.96% | 6,572 |
| Q2 2025 | $68.7M | $62.6M | $39.9M | $6.3M | $53K | 0.16% | 2.64% | 2.24% | 6,552 |
| Q1 2025 | $68.2M | $62.2M | $38.8M | $6.2M | $18K | 0.10% | 2.63% | 1.00% | 6,514 |
| Q4 2024 | $66.7M | $60.8M | $38.5M | $6.2M | $444K | 0.67% | 2.73% | 1.12% | 6,509 |
| Q3 2024 | $66.5M | $60.4M | $38.9M | $6.2M | $405K | 0.81% | 2.76% | 0.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,526 |
| Q2 2024 | $61.5M | $56.1M | $38.1M | $5.9M | $82K | 0.27% | 2.85% | 0.96% | 6,521 |
Loan mix (Q2 2026): real estate $5.3M · commercial $1.7M · consumer $35.2M · securities $24.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 80.6% | 73rd |
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: Marshall, IA, ranked 9th with 4.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marshall, IA | 1 | $66.7M* | 4.20% | 9th |
Iowa: 271st with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1