| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.1% | -2.0 pts |
| Share growth (YoY) | -0.5% | +3.5% | -4.1 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.2 pts |
| ROA | 2.05% | 0.74% | +1.3 pts |
| ROE | 13.2% | 6.5% | +6.7 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $113.0M | $94.3M | $89.3M | $17.6M | $1.2M | 2.05% | 5.68% | 4.18% | 8,014 |
| Q1 2026 | $109.6M | $91.3M | $88.5M | $17.2M | $697K | 2.54% | 5.84% | 3.06% | 7,962 |
| Q4 2025 | $114.3M | $96.9M | $86.8M | $14.1M | $1.8M | 1.54% | 4.69% | 3.85% | 7,608 |
| Q3 2025 | $110.0M | $93.3M | $88.0M | $16.4M | $1.3M | 1.62% | 5.57% | 3.35% | 7,710 |
| Q2 2025 | $110.6M | $94.8M | $86.7M | $16.0M | $966K | 1.75% | 5.45% | 3.89% | 7,719 |
| Q1 2025 | $111.4M | $96.2M | $86.2M | $15.6M | $509K | 1.83% | 5.32% | 2.43% | 7,630 |
| Q4 2024 | $114.3M | $96.9M | $86.8M | $14.1M | $1.8M | 1.54% | 4.69% | 3.85% | 7,608 |
| Q3 2024 | $108.7M | $87.6M | $85.3M | $13.5M | $1.2M | 1.44% | 4.79% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 0.74% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 6.5% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.68% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 2.85% |
| 7,537 |
| Q2 2024 | $105.6M | $83.5M | $81.7M | $12.9M | $530K | 1.00% | 4.85% | 2.15% | 7,452 |
Loan mix (Q2 2026): real estate $55.0M · commercial $2.7M · consumer $25.4M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 77.5% | 20th |
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.
5 branches in 1 county across 1 state (+0 vs 2025). Biggest market: St. Louis, MN, ranked 17th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MN | 5 | $94.3M* | 1.33% | 17th |
Minnesota: 251st with 0.03% · Duluth metro: 21st, 1.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5