| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.3 pts |
| Loan growth (YoY) | -0.3% | -2.6% | +2.3 pts |
| ROA | 0.97% | 0.65% | +0.3 pts |
| ROE | 5.5% | 4.4% | +1.2 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.0M | $62.2M | $21.6M | $13.3M | $369K | 0.97% | 2.71% | 0.04% | 3,616 |
| Q1 2026 | $77.1M | $63.5M | $21.3M | $13.1M | $168K | 0.87% | 2.55% | 0.03% | 3,625 |
| Q4 2025 | $75.3M | $61.7M | $21.3M | $13.0M | $678K | 0.90% | 2.54% | 0.01% | 3,672 |
| Q3 2025 | $75.9M | $62.8M | $22.0M | $12.8M | $505K | 0.89% | 2.50% | 0.09% | 3,673 |
| Q2 2025 | $77.9M | $65.0M | $21.7M | $12.6M | $321K | 0.82% | 2.37% | 0.02% | 3,691 |
| Q1 2025 | $79.0M | $66.0M | $21.2M | $12.4M | $134K | 0.68% | 2.17% | 0.11% | 3,689 |
| Q4 2024 | $77.6M | $64.9M | $21.6M | $12.3M | $498K | 0.64% | 2.11% | 0.34% | 3,756 |
| Q3 2024 | $78.0M | $65.3M | $21.6M | $12.1M | $369K | 0.63% | 2.05% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,762 |
| Q2 2024 | $78.0M | $65.7M | $22.0M | $12.0M | $250K | 0.64% | 2.02% | 0.12% | 3,758 |
Loan mix (Q2 2026): real estate $9.5M · commercial $0 · consumer $11.3M · securities $41.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 80.6% | 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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Douglas, NE, ranked 46th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, NE | 2 | $62.2M* | 0.16% | 46th |
Nebraska: 152nd with 0.06% · Omaha metro: 69th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2