| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.5% | +0.9% | +3.5 pts |
| Loan growth (YoY) | -3.4% | -2.6% | -0.8 pts |
| ROA | 1.54% | 0.65% | +0.9 pts |
| ROE | 9.5% | 4.4% | +5.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.1M | $37.6M | $22.6M | $7.3M | $346K | 1.54% | 4.05% | 1.03% | 3,492 |
| Q1 2026 | $45.0M | $37.7M | $22.8M | $7.1M | $161K | 1.43% | 4.03% | 0.74% | 3,565 |
| Q4 2025 | $44.3M | $37.1M | $23.7M | $7.0M | $736K | 1.66% | 4.19% | 0.91% | 3,598 |
| Q3 2025 | $43.5M | $36.4M | $24.0M | $6.8M | $539K | 1.65% | 4.24% | 0.89% | 3,587 |
| Q2 2025 | $42.8M | $36.0M | $23.4M | $6.6M | $361K | 1.69% | 4.24% | 0.81% | 3,607 |
| Q1 2025 | $41.2M | $34.6M | $22.4M | $6.4M | $160K | 1.55% | 4.33% | 0.56% | 3,581 |
| Q4 2024 | $39.1M | $32.7M | $22.8M | $6.2M | $900K | 2.30% | 4.76% | 0.40% | 3,575 |
| Q3 2024 | $38.9M | $32.6M | $23.1M | $6.0M | $687K | 2.36% | 4.79% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,544 |
| Q2 2024 | $40.5M | $34.5M | $23.2M | $5.8M | $451K | 2.23% | 4.53% | 0.26% | 3,527 |
Loan mix (Q2 2026): real estate $2.7M · commercial $0 · consumer $12.9M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 80.6% | 14th |
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: Hughes, SD, ranked 7th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hughes, SD | 2 | $37.6M* | 2.06% | 7th |
South Dakota: 88th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2