| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.1% | -3.8 pts |
| Share growth (YoY) | -0.9% | +3.5% | -4.5 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.2 pts |
| ROA | 1.10% | 0.74% | +0.4 pts |
| ROE | 7.8% | 6.5% | +1.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.3M | $94.3M | $68.9M | $15.4M | $603K | 1.10% | 4.74% | 0.91% | 8,979 |
| Q1 2026 | $111.3M | $97.2M | $68.1M | $15.1M | $305K | 1.10% | 4.60% | 0.83% | 8,934 |
| Q4 2025 | $107.5M | $93.6M | $69.4M | $14.8M | $855K | 0.80% | 4.50% | 1.46% | 8,959 |
| Q3 2025 | $106.5M | $92.5M | $70.5M | $14.8M | $790K | 0.99% | 4.73% | 1.35% | 8,967 |
| Q2 2025 | $108.9M | $95.2M | $70.6M | $14.5M | $517K | 0.95% | 4.58% | 1.10% | 9,017 |
| Q1 2025 | $111.5M | $98.5M | $70.7M | $14.2M | $282K | 1.01% | 4.43% | 0.67% | 9,081 |
| Q4 2024 | $109.2M | $95.9M | $69.9M | $14.0M | $1.1M | 1.00% | 4.22% | 0.66% | 9,035 |
| Q3 2024 | $108.9M | $93.6M | $70.2M | $13.7M | $824K | 1.01% | 4.16% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Membersown Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.74% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 6.5% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 9,033 |
| Q2 2024 | $109.1M | $95.1M | $69.1M | $13.4M | $508K | 0.93% | 4.04% | 0.43% | 9,029 |
Loan mix (Q2 2026): real estate $18.6M · commercial $0 · consumer $48.0M · securities $25.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 77.5% | 30th |
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 | Membersown 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 | Membersown 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 | Membersown 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 | Membersown 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 | Membersown 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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Gage, NE, ranked 6th with 5.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gage, NE | 1 | $47.2M* | 5.01% | 6th |
| Lancaster, NE | 1 | $47.2M* | 0.30% | 29th |
Nebraska: 132nd with 0.09% · Lincoln metro: 31st, 0.28% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2