| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.0 pts |
| Share growth (YoY) | +9.2% | +0.9% | +8.3 pts |
| Loan growth (YoY) | +10.5% | -2.6% | +13.1 pts |
| ROA | 3.35% | 0.65% | +2.7 pts |
| ROE | 22.8% | 4.4% | +18.4 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.4M | $11.2M | $12.2M | $2.0M | $224K | 3.35% | 3.99% | 0.17% | 814 |
| Q1 2026 | $13.9M | $11.7M | $13.0M | $1.9M | $198K | 5.71% | 3.80% | 0.10% | 827 |
| Q4 2025 | $13.4M | $11.4M | $12.7M | $1.7M | $30K | 0.22% | 3.52% | 0.02% | 799 |
| Q3 2025 | $12.7M | $10.9M | $11.5M | $1.8M | $130K | 1.36% | 3.68% | 0.02% | 790 |
| Q2 2025 | $12.1M | $10.3M | $11.1M | $1.8M | $105K | 1.73% | 3.90% | 0.17% | 792 |
| Q1 2025 | $12.2M | $10.4M | $10.9M | $1.8M | $67K | 2.19% | 3.69% | 1.66% | 795 |
| Q4 2024 | $12.1M | $10.1M | $10.6M | $1.7M | $30K | 0.25% | 3.66% | 0.66% | 787 |
| Q3 2024 | $11.7M | $9.7M | $10.4M | $1.9M | $39K | 0.44% | 3.77% | 0.58% | 777 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.35% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.8M | $9.7M | $9.9M | $1.8M | $36K | 0.60% | 3.72% | 0.57% | 767 |
Loan mix (Q2 2026): real estate $4.8M · commercial $0 · consumer $5.9M · securities $682K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 80.6% | 27th |
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 13th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mower, MN | 1 | $11.2M* | 1.22% | 13th |
Minnesota: 357th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1