| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.3% | +1.3% | -11.6 pts |
| Share growth (YoY) | -11.4% | +0.9% | -12.4 pts |
| Loan growth (YoY) | -11.8% | -2.6% | -9.2 pts |
| ROA | -0.20% | 0.65% | -0.8 pts |
| ROE | -1.7% | 4.4% | -6.1 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $982K | $865K | $458K | $115K | $-957 | -0.20% | 3.69% | 0.00% | 185 |
| Q1 2026 | $1.0M | $927K | $478K | $116K | $711 | 0.27% | 3.22% | 0.00% | 188 |
| Q4 2025 | $1.1M | $942K | $521K | $116K | $1K | 0.10% | 3.39% | 0.32% | 193 |
| Q3 2025 | $1.0M | $884K | $501K | $116K | $2K | 0.23% | 3.58% | 1.20% | 189 |
| Q2 2025 | $1.1M | $977K | $519K | $116K | $1K | 0.27% | 3.35% | 0.21% | 204 |
| Q1 2025 | $1.0M | $905K | $572K | $117K | $2K | 0.73% | 3.49% | 0.00% | 200 |
| Q4 2024 | $1.1M | $980K | $590K | $115K | $18K | 1.64% | 3.48% | 0.00% | 203 |
| Q3 2024 | $964K | $851K | $573K | $111K | $14K | 1.99% | 3.89% | 0.42% | 202 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.20% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.0M |
| $900K |
| $588K |
| $106K |
| $9K |
| 1.74% |
| 3.71% |
| 0.00% |
| 201 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $458K · securities $110K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 80.6% | 51st |
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 (-1 vs 2025). Biggest market: Hill, MT, ranked 6th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hill, MT | 1 | $865K* | 0.09% | 6th |
Montana: 93rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 1