| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.8% | +0.9% | +0.8 pts |
| Loan growth (YoY) | +0.8% | -2.6% | +3.4 pts |
| ROA | 0.20% | 0.65% | -0.4 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.2M | $936K | $892K | $216K | $1K | 0.20% | 3.67% | 2.93% | 239 |
| Q1 2026 | $1.2M | $933K | $866K | $216K | $229 | 0.08% | 3.49% | 5.95% | 242 |
| Q4 2025 | $1.2M | $963K | $815K | $215K | $-223 | -0.02% | 3.18% | 6.84% | 239 |
| Q3 2025 | $1.1M | $908K | $849K | $216K | $202 | 0.02% | 3.25% | 2.57% | 239 |
| Q2 2025 | $1.1M | $920K | $885K | $215K | $-918 | -0.16% | 2.94% | 4.27% | 240 |
| Q1 2025 | $1.2M | $970K | $845K | $215K | $-5K | -1.51% | 2.60% | 2.26% | 242 |
| Q4 2024 | $1.2M | $941K | $855K | $216K | $8K | 0.67% | 3.93% | 2.35% | 243 |
| Q3 2024 | $1.1M | $889K | $895K | $213K | $6K | 0.66% | 4.16% | 3.33% | 246 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mid Plains Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.2M | $947K | $919K | $212K | $5K | 0.82% | 4.09% | 4.88% | 249 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $573K · securities $3K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 80.6% | 60th |
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 | Mid Plains 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 | Mid Plains 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 | Mid Plains 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 | Mid Plains 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 | Mid Plains 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: Cloud, KS, ranked 8th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cloud, KS | 1 | $936K* | 0.26% | 8th |
Kansas: 308th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1