| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.1% | +2.2 pts |
| Share growth (YoY) | +6.6% | +3.5% | +3.0 pts |
| Loan growth (YoY) | +10.0% | +2.9% | +7.1 pts |
| ROA | 0.56% | 0.74% | -0.2 pts |
| ROE | 5.2% | 6.5% | -1.3 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $124.3M | $108.9M | $101.3M | $13.4M | $346K | 0.56% | 4.88% | 1.92% | 6,897 |
| Q1 2026 | $126.8M | $111.9M | $98.8M | $13.3M | $266K | 0.84% | 5.00% | 1.50% | 6,869 |
| Q4 2025 | $119.9M | $105.1M | $98.1M | $13.1M | $756K | 0.63% | 4.89% | 1.87% | 6,879 |
| Q3 2025 | $117.3M | $102.5M | $95.2M | $13.0M | $601K | 0.68% | 4.92% | 1.62% | 6,825 |
| Q2 2025 | $116.9M | $102.2M | $92.1M | $12.8M | $431K | 0.74% | 4.85% | 1.60% | 6,825 |
| Q1 2025 | $114.2M | $100.1M | $89.4M | $12.4M | $68K | 0.24% | 4.77% | 1.33% | 6,780 |
| Q4 2024 | $108.5M | $94.9M | $90.6M | $12.4M | $1.2M | 1.12% | 5.00% | 1.50% | 6,772 |
| Q3 2024 | $105.3M | $92.0M | $91.6M | $12.1M | $918K | 1.16% | 5.09% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.74% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 6.5% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.24% |
| 6,715 |
| Q2 2024 | $104.1M | $90.8M | $88.8M | $11.8M | $611K | 1.17% | 5.03% | 0.92% | 6,621 |
Loan mix (Q2 2026): real estate $53.5M · commercial $1.7M · consumer $39.1M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 77.5% | 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: St. Louis, MN, ranked 14th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MN | 2 | $108.9M* | 1.54% | 14th |
Minnesota: 232nd with 0.03% · Duluth metro: 17th, 1.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2