| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +3.9% | -5.2 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.0 pts |
| ROA | 1.21% | 0.69% | +0.5 pts |
| ROE | 8.8% | 5.9% | +2.8 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $470.6M | $404.2M | $321.2M | $65.2M | $1.4M | 1.21% | 4.38% | 2.32% | 22,222 |
| Q4 2025 | $467.6M | $389.4M | $325.9M | $63.8M | $4.7M | 0.99% | 3.99% | 2.28% | 22,098 |
| Q3 2025 | $458.7M | $379.4M | $336.3M | $62.9M | $3.7M | 1.09% | 4.07% | 2.14% | 22,145 |
| Q2 2025 | $448.2M | $378.9M | $337.6M | $60.5M | $2.0M | 0.89% | 4.03% | 2.65% | 22,071 |
| Q1 2025 | $476.9M | $399.3M | $331.3M | $60.0M | $871K | 0.73% | 3.80% | 2.30% | 21,951 |
| Q4 2024 | $459.3M | $382.6M | $342.1M | $59.1M | $3.3M | 0.73% | 3.63% | 2.04% | 22,356 |
| Q3 2024 | $463.6M | $379.6M | $353.6M | $58.4M | $2.6M | 0.75% | 3.64% | 2.18% | 22,241 |
| Q2 2024 | $461.6M | $372.1M | $359.1M | $58.1M | $2.4M | 1.02% | 3.71% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.26% |
| 22,934 |
Loan mix (Q1 2026): real estate $31.8M · commercial $142.4M · consumer $104.7M · securities $64.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 78.7% | 24th |
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.
13 branches in 9 counties across 1 state (+0 vs 2024). Biggest market: Ward, ND, ranked 14th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ward, ND | 3 | $87.4M* | 2.29% | 14th |
| Bottineau, ND | 2 | $58.3M* | 15.20% | 4th |
| McHenry, ND | 2 | $58.3M* | 27.52% | 2nd |
| 6 more counties with Pro → | ||||
North Dakota: 28th with 0.82% · Minot metro: 11th, 3.52% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 13 · 2023 13 · 2024 13 · 2025 13