| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.5 pts |
| Loan growth (YoY) | +2.5% | -2.4% | +4.8 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Q2 2024 | $1.2M | $947K | $919K | $212K | $5K | 0.82% | 4.09% | 4.88% | 249 |
| Ratio | Mid Plains Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $571K · securities $3K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 81.5% | 62th |
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 |
|---|---|---|---|---|
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% |
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