| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -3.7% | +0.9% | -4.6 pts |
| Loan growth (YoY) | +7.3% | -2.6% | +9.9 pts |
| ROA | 0.00% | 0.65% | -0.6 pts |
| ROE | 0.0% | 4.4% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.7M | $3.3M | $2.9M | $367K | $27 | 0.00% | 4.31% | 4.28% | 615 |
| Q1 2026 | $3.6M | $3.3M | $2.9M | $365K | $-3K | -0.29% | 4.63% | 1.16% | 617 |
| Q4 2025 | $3.5M | $3.2M | $2.8M | $367K | $-8K | -0.23% | 4.41% | 4.31% | 617 |
| Q3 2025 | $3.6M | $3.2M | $2.8M | $386K | $7K | 0.26% | 4.09% | 2.19% | 614 |
| Q2 2025 | $3.8M | $3.4M | $2.7M | $386K | $6K | 0.34% | 3.76% | 1.58% | 608 |
| Q1 2025 | $3.8M | $3.5M | $2.6M | $380K | $550 | 0.06% | 3.81% | 1.08% | 601 |
| Q4 2024 | $3.7M | $3.3M | $2.6M | $379K | $-2K | -0.06% | 3.68% | 4.20% | 598 |
| Q3 2024 | $3.5M | $3.1M | $2.5M | $379K | $-2K | -0.08% | 3.93% | 6.19% | 587 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.4M | $3.0M | $2.6M | $375K | $-6K | -0.38% | 3.93% | 7.12% | 586 |
Loan mix (Q2 2026): real estate $946K · commercial $0 · consumer $1.9M · securities $409K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.7% | 80.6% | 78th |
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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Scotts Bluff, NE, ranked 9th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Scotts Bluff, NE | 2 | $2.2M* | 0.18% | 9th |
| Racine, WI | 1 | $1.1M* | 0.02% | 31st |
Nebraska: 220th with 0.00% · Wisconsin: 332nd with 0.00% · Racine-Mount Pleasant metro: 31st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3