| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.1% | -6.1 pts |
| Share growth (YoY) | -2.2% | +3.5% | -5.8 pts |
| Loan growth (YoY) | +8.2% | +2.9% | +5.4 pts |
| ROA | 0.44% | 0.74% | -0.3 pts |
| ROE | 4.1% | 6.5% | -2.3 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.5M | $94.7M | $87.0M | $11.4M | $237K | 0.44% | 4.16% | 1.04% | 8,379 |
| Q1 2026 | $109.4M | $97.7M | $75.8M | $11.4M | $172K | 0.63% | 4.00% | 1.41% | 8,457 |
| Q4 2025 | $107.6M | $96.2M | $79.2M | $11.2M | $-698K | -0.65% | 4.11% | 1.48% | 8,619 |
| Q3 2025 | $105.5M | $94.1M | $80.9M | $11.1M | $-794K | -1.00% | 4.11% | 1.61% | 8,828 |
| Q2 2025 | $108.7M | $96.9M | $80.4M | $11.0M | $-885K | -1.63% | 3.90% | 0.96% | 8,972 |
| Q1 2025 | $86.2M | $77.7M | $57.2M | $8.2M | $133K | 0.62% | 3.69% | 1.05% | 6,943 |
| Q4 2024 | $79.4M | $71.1M | $59.1M | $8.0M | $309K | 0.39% | 3.79% | 0.89% | 6,983 |
| Q3 2024 | $78.8M | $70.7M | $59.9M | $7.9M | $198K | 0.33% | 3.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.74% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 6.5% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 7,077 |
| Q2 2024 | $81.7M | $73.8M | $56.2M | $7.8M | $86K | 0.21% | 3.44% | 0.72% | 7,140 |
Loan mix (Q2 2026): real estate $32.3M · commercial $3.2M · consumer $50.8M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 77.5% | 54th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Platte, NE, ranked 8th with 4.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Platte, NE | 3 | $94.7M* | 4.49% | 8th |
Nebraska: 131st with 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 3