| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +1.3% | -8.9 pts |
| Share growth (YoY) | -10.5% | +0.7% | -11.2 pts |
| Loan growth (YoY) | +19.6% | -2.4% | +21.9 pts |
| ROA | 1.85% | 0.60% | +1.2 pts |
| ROE | 12.1% | 4.1% | +7.9 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.1M | $5.2M | $4.1M | $944K | $28K | 1.85% | 4.66% | 0.78% | 477 |
| Q4 2025 | $6.3M | $5.3M | $4.2M | $915K | $91K | 1.46% | 4.00% | 0.00% | 482 |
| Q3 2025 | $6.8M | $5.9M | $3.9M | $910K | $86K | 1.69% | 3.91% | 0.00% | 479 |
| Q2 2025 | $6.8M | $5.9M | $3.5M | $875K | $51K | 1.50% | 3.78% | 0.76% | 479 |
| Q1 2025 | $6.6M | $5.8M | $3.5M | $841K | $16K | 0.99% | 3.38% | 0.00% | 479 |
| Q4 2024 | $6.3M | $5.5M | $3.4M | $824K | $73K | 1.16% | 3.50% | 0.00% | 477 |
| Q3 2024 | $5.9M | $5.1M | $3.6M | $817K | $66K | 1.49% | 3.87% | 0.21% | 483 |
| Q2 2024 | $5.5M | $4.7M | $3.5M | $802K | $50K | 1.82% | 4.27% | 0.00% | 477 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 0.60% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 4.1% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.4M · commercial $0 · consumer $1.4M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 81.5% | 18th |
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: Madison, NE, ranked 16th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, NE | 1 | $5.9M* | 0.26% | 16th |
Nebraska: 211th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1