| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.1 pts |
| Loan growth (YoY) | +3.7% | -2.6% | +6.3 pts |
| ROA | 1.00% | 0.65% | +0.4 pts |
| ROE | 10.3% | 4.4% | +5.9 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.0M | $39.6M | $38.4M | $4.3M | $220K | 1.00% | 4.89% | 0.11% | 2,924 |
| Q1 2026 | $44.9M | $40.7M | $37.9M | $4.2M | $99K | 0.88% | 4.67% | 0.00% | 3,141 |
| Q4 2025 | $44.6M | $40.5M | $38.3M | $4.1M | $559K | 1.25% | 4.41% | 0.02% | 3,145 |
| Q3 2025 | $43.1M | $39.4M | $36.7M | $4.0M | $509K | 1.58% | 4.42% | 0.00% | 3,139 |
| Q2 2025 | $43.2M | $39.2M | $37.0M | $3.9M | $405K | 1.88% | 4.25% | 0.00% | 3,142 |
| Q1 2025 | $44.1M | $40.2M | $36.4M | $3.8M | $250K | 2.27% | 3.91% | 0.00% | 3,137 |
| Q4 2024 | $42.7M | $39.1M | $37.0M | $3.5M | $178K | 0.42% | 4.00% | 0.00% | 3,132 |
| Q3 2024 | $42.6M | $39.0M | $36.9M | $3.5M | $187K | 0.59% | 3.94% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,141 |
| Q2 2024 | $43.6M | $40.0M | $37.7M | $3.5M | $141K | 0.65% | 3.75% | 0.11% | 3,181 |
Loan mix (Q2 2026): real estate $22.1M · commercial $0 · consumer $13.9M · securities $230K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 80.6% | 52nd |
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: McPherson, KS, ranked 7th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McPherson, KS | 1 | $39.6M* | 3.08% | 7th |
Kansas: 237th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1