| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 1.16% | 0.60% | +0.6 pts |
| ROE | 13.1% | 4.1% | +9.0 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $626K | $567K | $545K | $56K | $2K | 1.16% | 7.30% | 2.75% | 415 |
| Q4 2025 | $618K | $563K | $570K | $52K | $0 | 0.00% | 4.84% | 2.49% | 415 |
| Q3 2025 | $617K | $548K | $604K | $62K | $10K | 2.17% | 7.17% | 2.57% | 418 |
| Q2 2025 | $625K | $561K | $560K | $58K | $8K | 2.66% | 6.99% | 1.55% | 418 |
| Q1 2025 | $616K | $555K | $570K | $55K | $3K | 1.98% | 7.25% | 2.91% | 414 |
| Q4 2024 | $612K | $536K | $602K | $52K | $1K | 0.18% | 5.31% | 6.36% | 417 |
| Q3 2024 | $610K | $545K | $595K | $61K | $10K | 2.19% | 7.01% | 6.85% | 416 |
| Q2 2024 | $604K | $542K | $604K | $58K | $7K | 2.26% | 7.22% | 4.36% | 415 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $503K · securities $23K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 4.1% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 7.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 81.5% | 48th |
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 2024). Biggest market: Douglas, NE, ranked 66th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, NE | 1 | $561K* | 0.00% | 66th |
Nebraska: 219th with 0.00% · Omaha metro: 102nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1