| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.9% | -1.7 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 1.23% | 0.69% | +0.5 pts |
| ROE | 6.5% | 5.9% | +0.6 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $329.6M | $265.8M | $279.4M | $62.1M | $1.0M | 1.23% | 2.81% | 0.03% | 12,232 |
| Q4 2025 | $319.9M | $257.2M | $277.1M | $61.1M | $4.1M | 1.28% | 2.85% | 0.07% | 12,211 |
| Q3 2025 | $318.4M | $256.5M | $278.2M | $59.9M | $2.9M | 1.21% | 2.82% | 0.05% | 12,206 |
| Q2 2025 | $319.8M | $259.2M | $275.4M | $58.7M | $1.7M | 1.08% | 2.77% | 0.09% | 12,390 |
| Q1 2025 | $322.6M | $262.6M | $270.9M | $57.7M | $688K | 0.85% | 2.64% | 0.08% | 12,860 |
| Q4 2024 | $317.6M | $258.4M | $269.0M | $57.0M | $2.7M | 0.84% | 2.51% | 0.13% | 12,433 |
| Q3 2024 | $318.2M | $259.5M | $270.8M | $56.1M | $1.8M | 0.76% | 2.38% | 0.17% | 12,461 |
| Q2 2024 | $312.3M | $254.3M | $270.8M | $55.6M | $1.3M | 0.83% | 2.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.69% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.09% |
| 12,533 |
Loan mix (Q1 2026): real estate $188.1M · commercial $23K · consumer $61.5M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 78.7% | 7th |
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 2024). Biggest market: Platte, NE, ranked 3rd with 12.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Platte, NE | 1 | $259.2M* | 12.88% | 3rd |
Nebraska: 73rd with 0.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1