| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.1 pts |
| Loan growth (YoY) | -0.3% | -2.6% | +2.3 pts |
| ROA | 0.33% | 0.65% | -0.3 pts |
| ROE | 1.9% | 4.4% | -2.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.0M | $3.3M | $2.6M | $696K | $7K | 0.33% | 3.88% | 0.00% | 485 |
| Q1 2026 | $4.1M | $3.4M | $2.6M | $694K | $5K | 0.47% | 3.84% | 0.48% | 486 |
| Q4 2025 | $4.1M | $3.4M | $2.7M | $689K | $20K | 0.50% | 3.74% | 0.00% | 485 |
| Q3 2025 | $4.0M | $3.3M | $2.6M | $691K | $22K | 0.72% | 3.84% | 0.00% | 487 |
| Q2 2025 | $4.0M | $3.3M | $2.6M | $683K | $14K | 0.72% | 3.85% | 0.00% | 492 |
| Q1 2025 | $4.2M | $3.5M | $2.7M | $675K | $7K | 0.70% | 3.60% | 0.00% | 494 |
| Q4 2024 | $4.0M | $3.4M | $2.8M | $669K | $42K | 1.05% | 4.12% | 0.04% | 493 |
| Q3 2024 | $4.0M | $3.3M | $2.9M | $666K | $40K | 1.32% | 4.28% | 0.15% | 495 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.65% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.9M |
| $3.2M |
| $2.9M |
| $652K |
| $25K |
| 1.29% |
| 4.44% |
| 0.27% |
| 503 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 80.6% | 75th |
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: Dawson, MT, ranked 5th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dawson, MT | 1 | $3.3M* | 0.89% | 5th |
Montana: 89th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1