| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +3.2% | +0.9% | +2.2 pts |
| Loan growth (YoY) | -1.2% | -2.6% | +1.4 pts |
| ROA | 0.93% | 0.65% | +0.3 pts |
| ROE | 7.1% | 4.4% | +2.7 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.9M | $37.1M | $10.6M | $5.7M | $200K | 0.93% | 4.16% | 1.89% | 3,359 |
| Q1 2026 | $42.7M | $36.9M | $10.3M | $5.6M | $152K | 1.42% | 4.19% | 1.69% | 3,360 |
| Q4 2025 | $41.5M | $35.9M | $10.7M | $5.5M | $17K | 0.04% | 4.26% | 1.43% | 3,576 |
| Q3 2025 | $41.3M | $35.3M | $10.8M | $5.7M | $258K | 0.83% | 4.24% | 1.74% | 3,588 |
| Q2 2025 | $42.1M | $35.9M | $10.7M | $5.6M | $160K | 0.76% | 4.01% | 2.70% | 3,583 |
| Q1 2025 | $42.4M | $36.6M | $10.0M | $5.5M | $82K | 0.78% | 3.94% | 2.87% | 3,583 |
| Q4 2024 | $41.3M | $35.7M | $9.6M | $5.4M | $522K | 1.26% | 4.04% | 1.94% | 3,543 |
| Q3 2024 | $40.8M | $35.3M | $10.0M | $5.3M | $493K | 1.61% | 4.05% | 1.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.65% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,552 |
| Q2 2024 | $40.5M | $35.0M | $9.7M | $5.1M | $291K | 1.44% | 3.97% | 0.75% | 3,591 |
Loan mix (Q2 2026): real estate $2.1M · commercial $0 · consumer $8.1M · securities $23.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 80.6% | 52nd |
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: Douglas, NE, ranked 50th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, NE | 1 | $37.1M* | 0.10% | 50th |
Nebraska: 174th with 0.04% · Omaha metro: 79th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1