| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -2.2% | +0.7% | -2.9 pts |
| Loan growth (YoY) | +12.0% | -2.4% | +14.4 pts |
| ROA | 1.10% | 0.60% | +0.5 pts |
| ROE | 12.6% | 4.1% | +8.5 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.9M | $4.4M | $3.8M | $431K | $14K | 1.10% | 4.19% | 2.21% | 1,402 |
| Q4 2025 | $5.1M | $4.5M | $3.6M | $417K | $57K | 1.12% | 3.75% | 1.46% | 1,402 |
| Q3 2025 | $5.0M | $4.5M | $3.7M | $402K | $42K | 1.12% | 3.69% | 0.09% | 1,402 |
| Q2 2025 | $5.5M | $4.5M | $3.5M | $377K | $-23K | -0.84% | 2.90% | 1.74% | 1,402 |
| Q1 2025 | $4.9M | $4.5M | $3.4M | $361K | $140 | 0.01% | 2.68% | 0.98% | 1,253 |
| Q4 2024 | $4.6M | $4.2M | $3.4M | $361K | $11K | 0.24% | 3.30% | 0.96% | 1,162 |
| Q3 2024 | $3.8M | $3.1M | $3.5M | $354K | $5K | 0.17% | 4.07% | 0.91% | 961 |
| Q2 2024 | $3.7M | $3.1M | $3.4M | $354K | $5K | 0.26% | 4.08% | 0.76% | 997 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.60% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 4.1% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $219K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 81.5% | 35th |
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 2024). Biggest market: Lancaster, NE, ranked 38th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lancaster, NE | 1 | $4.5M* | 0.03% | 38th |
Nebraska: 213th with 0.00% · Lincoln metro: 40th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1