| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.9 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.6 pts |
| Loan growth (YoY) | -11.6% | -2.6% | -9.0 pts |
| ROA | 1.10% | 0.65% | +0.4 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.4M | $36.0M | $15.5M | $7.2M | $238K | 1.10% | 3.02% | 0.75% | 3,956 |
| Q1 2026 | $43.2M | $35.9M | $15.5M | $7.0M | $102K | 0.94% | 2.94% | 3.59% | 3,947 |
| Q4 2025 | $42.3M | $35.2M | $16.2M | $6.8M | $295K | 0.70% | 2.82% | 0.83% | 3,941 |
| Q3 2025 | $41.6M | $34.9M | $16.9M | $6.8M | $220K | 0.70% | 2.85% | 0.67% | 3,995 |
| Q2 2025 | $42.1M | $35.5M | $17.6M | $6.7M | $102K | 0.49% | 2.84% | 0.59% | 3,989 |
| Q1 2025 | $41.7M | $35.2M | $18.3M | $6.6M | $41K | 0.40% | 2.80% | 0.75% | 3,988 |
| Q4 2024 | $41.2M | $34.7M | $18.8M | $6.6M | $187K | 0.45% | 2.55% | 1.66% | 3,894 |
| Q3 2024 | $41.4M | $34.9M | $19.3M | $6.5M | $114K | 0.37% | 2.48% | 0.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,053 |
| Q2 2024 | $42.0M | $35.7M | $19.8M | $6.5M | $52K | 0.25% | 2.25% | 1.18% | 4,114 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $13.6M · securities $24.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 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: Lincoln, NE, ranked 12th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, NE | 1 | $36.0M* | 2.17% | 12th |
Nebraska: 176th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1