| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -2.9% | +0.9% | -3.8 pts |
| Loan growth (YoY) | +0.3% | -2.6% | +2.9 pts |
| ROA | 0.16% | 0.65% | -0.5 pts |
| ROE | 1.8% | 4.4% | -2.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.2M | $12.9M | $7.1M | $1.3M | $11K | 0.16% | 3.35% | 0.70% | 1,706 |
| Q1 2026 | $13.9M | $12.6M | $6.7M | $1.3M | $927 | 0.03% | 3.38% | 0.79% | 1,707 |
| Q4 2025 | $13.7M | $12.4M | $6.4M | $1.2M | $92K | 0.67% | 3.50% | 0.09% | 1,720 |
| Q3 2025 | $14.0M | $12.7M | $7.0M | $1.2M | $72K | 0.69% | 3.41% | 0.14% | 1,751 |
| Q2 2025 | $14.5M | $13.2M | $7.0M | $1.2M | $38K | 0.52% | 3.18% | 0.13% | 1,759 |
| Q1 2025 | $14.3M | $13.0M | $7.1M | $1.2M | $18K | 0.51% | 3.10% | 0.30% | 1,767 |
| Q4 2024 | $13.0M | $11.8M | $7.3M | $1.2M | $77K | 0.59% | 3.46% | 0.40% | 1,855 |
| Q3 2024 | $12.8M | $11.5M | $7.6M | $1.1M | $41K | 0.43% | 3.35% | 0.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,050 |
| Q2 2024 | $13.2M | $12.0M | $7.9M | $1.1M | $15K | 0.22% | 3.07% | 0.58% | 2,041 |
Loan mix (Q2 2026): real estate $739K · commercial $0 · consumer $6.0M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 80.6% | 80th |
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: Madison, NE, ranked 15th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, NE | 1 | $12.9M* | 0.52% | 15th |
Nebraska: 201st with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1