| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.7 pts |
| Share growth (YoY) | -1.9% | +0.9% | -2.8 pts |
| Loan growth (YoY) | -9.4% | -2.6% | -6.8 pts |
| ROA | 0.85% | 0.65% | +0.2 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.2M | $12.9M | $10.2M | $2.2M | $65K | 0.85% | 4.68% | 3.05% | 1,155 |
| Q1 2026 | $16.3M | $14.0M | $10.2M | $2.2M | $37K | 0.91% | 4.43% | 2.48% | 1,163 |
| Q4 2025 | $15.6M | $13.3M | $10.8M | $2.1M | $134K | 0.86% | 4.73% | 2.59% | 1,177 |
| Q3 2025 | $15.2M | $13.0M | $11.0M | $2.1M | $93K | 0.81% | 4.82% | 1.95% | 1,177 |
| Q2 2025 | $15.3M | $13.1M | $11.3M | $2.0M | $60K | 0.78% | 4.81% | 1.99% | 1,198 |
| Q1 2025 | $15.8M | $13.7M | $11.2M | $2.0M | $19K | 0.48% | 4.57% | 1.29% | 1,196 |
| Q4 2024 | $15.0M | $12.9M | $11.5M | $2.0M | $160K | 1.07% | 4.67% | 1.81% | 1,200 |
| Q3 2024 | $15.8M | $13.7M | $11.7M | $1.9M | $111K | 0.94% | 4.34% | 1.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.65% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,225 |
| Q2 2024 | $15.2M | $13.1M | $11.9M | $1.9M | $62K | 0.82% | 4.32% | 3.07% | 1,247 |
Loan mix (Q2 2026): real estate $1.0M · commercial $0 · consumer $6.8M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 80.6% | 38th |
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: Pennington, SD, ranked 18th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pennington, SD | 1 | $12.9M* | 0.28% | 18th |
South Dakota: 108th with 0.00% · Rapid City metro: 21st, 0.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1