| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -6.3% | +0.9% | -7.2 pts |
| Loan growth (YoY) | -0.5% | -2.6% | +2.1 pts |
| ROA | -0.12% | 0.65% | -0.8 pts |
| ROE | -0.2% | 4.4% | -4.6 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.3M | $1.6M | $2.1M | $2.7M | $-3K | -0.12% | 4.56% | 0.62% | 243 |
| Q1 2026 | $4.4M | $1.6M | $2.1M | $2.7M | $-4K | -0.37% | 3.81% | 0.24% | 235 |
| Q4 2025 | $4.4M | $1.6M | $2.2M | $2.7M | $-15K | -0.35% | 3.48% | 2.20% | 240 |
| Q3 2025 | $4.5M | $1.7M | $2.2M | $2.8M | $24K | 0.72% | 4.49% | 0.00% | 237 |
| Q2 2025 | $4.4M | $1.7M | $2.2M | $2.8M | $43K | 1.94% | 5.12% | 0.07% | 236 |
| Q1 2025 | $4.5M | $1.8M | $2.3M | $2.7M | $-20K | -1.79% | 4.64% | 0.07% | 237 |
| Q4 2024 | $4.5M | $1.8M | $2.4M | $2.8M | $7K | 0.16% | 3.69% | 0.07% | 247 |
| Q3 2024 | $4.5M | $1.7M | $2.5M | $2.7M | $46K | 1.36% | 4.61% | 0.00% | 243 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.12% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.6M | $1.9M | $2.5M | $2.7M | $30K | 1.29% | 4.34% | 0.06% | 244 |
Loan mix (Q2 2026): real estate $1.0M · commercial $326K · consumer $468K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.6% | 80.6% | 89th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Ransom, ND, ranked 6th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ransom, ND | 2 | $1.6M* | 0.57% | 6th |
North Dakota: 104th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2