| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +0.6% | +0.9% | -0.3 pts |
| Loan growth (YoY) | -4.3% | -2.6% | -1.6 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 8.8% | 4.4% | +4.4 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 | $50.7M | $44.4M | $30.6M | $6.0M | $265K | 1.04% | 4.73% | 0.68% | 4,526 |
| Q1 2026 | $50.9M | $44.8M | $29.8M | $5.9M | $132K | 1.04% | 4.72% | 0.67% | 4,527 |
| Q4 2025 | $50.5M | $44.5M | $29.9M | $5.7M | $397K | 0.79% | 4.92% | 0.82% | 4,529 |
| Q3 2025 | $50.5M | $44.6M | $31.3M | $5.8M | $478K | 1.26% | 4.91% | 1.10% | 4,516 |
| Q2 2025 | $50.0M | $44.1M | $31.9M | $5.7M | $381K | 1.53% | 4.94% | 1.03% | 4,506 |
| Q1 2025 | $51.3M | $45.6M | $32.4M | $5.6M | $218K | 1.70% | 4.78% | 0.80% | 4,488 |
| Q4 2024 | $50.4M | $44.7M | $31.9M | $5.3M | $371K | 0.74% | 4.66% | 0.62% | 4,508 |
| Q3 2024 | $50.7M | $45.0M | $32.5M | $5.3M | $353K | 0.93% | 4.56% | 0.27% |
Nothing unusual in Q2 2026 — steady quarter.
| 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 | 8.8% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,496 |
| Q2 2024 | $49.8M | $44.2M | $33.0M | $5.2M | $232K | 0.93% | 4.55% | 0.51% | 4,492 |
Loan mix (Q2 2026): real estate $16.0M · commercial $0 · consumer $13.5M · securities $16.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 80.6% | 51st |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Hennepin, MN, ranked 70th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 2 | $44.4M* | 0.03% | 70th |
Minnesota: 310th with 0.01% · Minneapolis-St. Paul-Bloomington metro: 148th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2