| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -7.9% | +0.9% | -8.8 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.5 pts |
| ROA | 1.17% | 0.65% | +0.5 pts |
| ROE | 8.3% | 4.4% | +3.9 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.9M | $34.8M | $21.8M | $5.8M | $238K | 1.17% | 3.48% | 0.30% | 1,746 |
| Q1 2026 | $41.4M | $35.4M | $22.0M | $5.7M | $132K | 1.27% | 3.36% | 0.25% | 1,759 |
| Q4 2025 | $42.4M | $36.5M | $22.2M | $5.5M | $552K | 1.30% | 3.31% | 0.06% | 1,774 |
| Q3 2025 | $42.4M | $36.6M | $22.2M | $5.4M | $434K | 1.36% | 3.33% | 0.17% | 1,783 |
| Q2 2025 | $43.3M | $37.8M | $21.8M | $5.3M | $279K | 1.29% | 3.25% | 0.35% | 1,793 |
| Q1 2025 | $43.5M | $38.1M | $22.2M | $5.1M | $78K | 0.72% | 2.74% | 0.36% | 1,790 |
| Q4 2024 | $42.4M | $37.2M | $22.3M | $5.0M | $302K | 0.71% | 2.58% | 0.38% | 1,798 |
| Q3 2024 | $41.3M | $36.1M | $21.8M | $4.9M | $218K | 0.70% | 2.63% | 0.08% |
| Ratio | M O Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,797 |
| Q2 2024 | $42.6M | $37.5M | $21.9M | $4.8M | $130K | 0.61% | 2.53% | 0.01% | 1,789 |
Loan mix (Q2 2026): real estate $12.3M · commercial $1.1M · consumer $6.2M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 80.6% | 15th |
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 | M O Federal 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 | M O Federal 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 | M O Federal 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 | M O Federal 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 | M O Federal 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Beadle, SD, ranked 5th with 4.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beadle, SD | 1 | $34.8M* | 4.48% | 5th |
South Dakota: 91st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 1 · 2026 1