| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +5.7% | +0.9% | +4.8 pts |
| Loan growth (YoY) | -2.5% | -2.6% | +0.1 pts |
| ROA | -0.05% | 0.65% | -0.7 pts |
| ROE | -0.4% | 4.4% | -4.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.2M | $22.3M | $16.9M | $2.6M | $-6K | -0.05% | 5.28% | 2.24% | 2,496 |
| Q1 2026 | $25.5M | $22.5M | $16.7M | $2.7M | $37K | 0.58% | 5.20% | 1.22% | 2,533 |
| Q4 2025 | $25.1M | $22.2M | $16.9M | $2.7M | $8K | 0.03% | 4.86% | 1.56% | 2,577 |
| Q3 2025 | $23.6M | $20.7M | $16.8M | $2.6M | $-33K | -0.19% | 5.13% | 1.66% | 2,581 |
| Q2 2025 | $24.5M | $21.1M | $17.3M | $2.7M | $34K | 0.28% | 4.94% | 1.43% | 2,586 |
| Q1 2025 | $24.8M | $22.0M | $17.7M | $2.7M | $16K | 0.26% | 4.80% | 1.19% | 2,536 |
| Q4 2024 | $24.4M | $21.6M | $17.5M | $2.6M | $-59K | -0.24% | 4.90% | 0.77% | 2,529 |
| Q3 2024 | $23.7M | $21.1M | $17.9M | $2.6M | $-77K | -0.43% | 4.99% | 0.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.05% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,529 |
| Q2 2024 | $24.2M | $21.5M | $17.7M | $2.7M | $-54K | -0.44% | 4.88% | 0.84% | 2,549 |
Loan mix (Q2 2026): real estate $1.1M · commercial $0 · consumer $13.9M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 80.6% | 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 | 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 2025). Biggest market: Red Willow, NE, ranked 6th with 3.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Red Willow, NE | 1 | $22.3M* | 3.38% | 6th |
Nebraska: 189th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1