| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +2.0% | +0.9% | +1.1 pts |
| Loan growth (YoY) | -6.0% | -2.6% | -3.4 pts |
| ROA | 0.89% | 0.65% | +0.2 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.3M | $17.5M | $12.3M | $2.7M | $90K | 0.89% | 3.60% | 0.04% | 1,902 |
| Q1 2026 | $18.5M | $15.7M | $12.2M | $2.6M | $45K | 0.98% | 4.12% | 0.24% | 1,467 |
| Q4 2025 | $20.4M | $17.7M | $12.4M | $2.6M | $219K | 1.07% | 3.78% | 0.10% | 1,445 |
| Q3 2025 | $20.0M | $17.3M | $12.7M | $2.6M | $169K | 1.13% | 3.87% | 0.03% | 1,471 |
| Q2 2025 | $19.8M | $17.2M | $13.0M | $2.5M | $119K | 1.20% | 3.81% | 0.04% | 1,465 |
| Q1 2025 | $19.4M | $16.9M | $12.7M | $2.4M | $50K | 1.03% | 3.84% | 0.01% | 1,467 |
| Q4 2024 | $19.2M | $16.7M | $12.8M | $2.4M | $373K | 1.95% | 3.86% | 0.07% | 1,468 |
| Q3 2024 | $18.7M | $16.3M | $13.5M | $2.3M | $323K | 2.30% | 3.92% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,480 |
| Q2 2024 | $18.8M | $16.4M | $13.0M | $2.3M | $266K | 2.83% | 3.78% | 0.00% | 1,459 |
Loan mix (Q2 2026): real estate $962K · commercial $0 · consumer $8.1M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 80.6% | 43rd |
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: Grand Forks, ND, ranked 19th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grand Forks, ND | 1 | $17.5M* | 0.55% | 19th |
North Dakota: 93rd with 0.04% · Grand Forks metro: 25th, 0.41% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1