| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +4.1% | -11.7 pts |
| Share growth (YoY) | -8.2% | +3.5% | -11.7 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.0 pts |
| ROA | -0.02% | 0.74% | -0.8 pts |
| ROE | -0.2% | 6.5% | -6.7 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $149.4M | $133.6M | $112.8M | $14.7M | $-14K | -0.02% | 4.21% | 0.54% | 12,200 |
| Q1 2026 | $156.5M | $140.6M | $113.5M | $14.6M | $-97K | -0.25% | 3.88% | 0.77% | 12,254 |
| Q4 2025 | $159.0M | $143.1M | $114.1M | $14.7M | $50K | 0.03% | 3.80% | 1.11% | 12,287 |
| Q3 2025 | $158.6M | $142.4M | $115.6M | $14.7M | $78K | 0.07% | 3.78% | 1.46% | 12,298 |
| Q2 2025 | $161.7M | $145.5M | $116.5M | $14.7M | $111K | 0.14% | 3.65% | 1.16% | 12,364 |
| Q1 2025 | $162.6M | $146.4M | $118.0M | $14.7M | $58K | 0.14% | 3.55% | 1.25% | 12,370 |
| Q4 2024 | $161.5M | $145.5M | $119.1M | $14.6M | $1.0M | 0.64% | 3.58% | 1.25% | 12,340 |
| Q3 2024 | $157.7M | $141.8M | $119.8M | $14.3M | $738K | 0.62% | 3.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.74% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 6.5% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.16% |
| 12,254 |
| Q2 2024 | $153.0M | $136.9M | $117.3M | $14.2M | $622K | 0.81% | 3.75% | 1.09% | 12,065 |
Loan mix (Q2 2026): real estate $18.4M · commercial $4.2M · consumer $84.0M · securities $21.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 77.5% | 37th |
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 1 state (+0 vs 2025). Biggest market: Ida, IA, ranked 4th with 6.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ida, IA | 1 | $44.5M* | 6.84% | 4th |
| Cherokee, IA | 1 | $44.5M* | 8.38% | 5th |
Iowa: 207th with 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3