| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.3% | +0.9% | -3.2 pts |
| Loan growth (YoY) | -6.7% | -2.6% | -4.1 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 5.5% | 4.4% | +1.1 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.7M | $5.4M | $4.4M | $1.3M | $35K | 1.04% | 4.70% | 2.72% | 1,020 |
| Q1 2026 | $6.7M | $5.4M | $4.6M | $1.3M | $19K | 1.15% | 4.87% | 3.13% | 1,020 |
| Q4 2025 | $6.6M | $5.4M | $4.6M | $1.2M | $-33K | -0.49% | 4.90% | 2.67% | 1,012 |
| Q3 2025 | $6.7M | $5.5M | $4.7M | $1.2M | $-29K | -0.58% | 4.91% | 2.76% | 1,008 |
| Q2 2025 | $6.8M | $5.6M | $4.7M | $1.3M | $-4K | -0.11% | 5.01% | 4.22% | 1,005 |
| Q1 2025 | $7.3M | $6.0M | $4.8M | $1.3M | $24K | 1.29% | 4.83% | 6.48% | 999 |
| Q4 2024 | $7.3M | $6.1M | $5.0M | $1.3M | $105K | 1.43% | 4.44% | 4.98% | 1,000 |
| Q3 2024 | $7.3M | $6.0M | $5.0M | $1.3M | $93K | 1.70% | 4.41% | 3.63% | 998 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.4M | $6.1M | $4.9M | $1.2M | $66K | 1.79% | 4.18% | 3.83% | 1,003 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.3M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 80.6% | 55th |
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: Mower, MN, ranked 15th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mower, MN | 1 | $5.4M* | 0.59% | 15th |
Minnesota: 366th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1