| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.2 pts |
| Loan growth (YoY) | +6.4% | -2.6% | +9.1 pts |
| ROA | -0.36% | 0.65% | -1.0 pts |
| ROE | -3.7% | 4.4% | -8.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.3M | $11.5M | $6.6M | $1.2M | $-22K | -0.36% | 3.90% | 0.00% | 968 |
| Q1 2026 | $12.2M | $11.3M | $6.9M | $1.2M | $-3K | -0.09% | 3.76% | 0.00% | 947 |
| Q4 2025 | $11.8M | $10.9M | $6.8M | $1.2M | $74K | 0.63% | 4.13% | 0.46% | 948 |
| Q3 2025 | $11.9M | $11.0M | $6.9M | $1.2M | $76K | 0.86% | 3.94% | 0.00% | 905 |
| Q2 2025 | $11.8M | $11.0M | $6.2M | $1.2M | $31K | 0.52% | 3.83% | 0.00% | 890 |
| Q1 2025 | $12.5M | $11.8M | $6.1M | $1.1M | $7K | 0.22% | 3.52% | 0.00% | 879 |
| Q4 2024 | $11.6M | $10.9M | $6.3M | $1.1M | $48K | 0.41% | 3.61% | 0.00% | 869 |
| Q3 2024 | $11.8M | $11.1M | $6.4M | $1.1M | $20K | 0.23% | 3.56% | 0.00% | 844 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -3.7% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $12.2M | $11.7M | $6.4M | $1.1M | $11K | 0.19% | 3.40% | 0.00% | 840 |
Loan mix (Q2 2026): real estate $2.1M · commercial $18K · consumer $3.9M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 80.6% | 76th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Ramsey, MN, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ramsey, MN | 2 | $11.5M* | 0.02% | 56th |
Minnesota: 356th with 0.00% · Minneapolis-St. Paul-Bloomington metro: 166th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2