| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.2 pts |
| Share growth (YoY) | +0.6% | +0.9% | -0.3 pts |
| Loan growth (YoY) | -7.5% | -2.6% | -4.9 pts |
| ROA | 1.69% | 0.65% | +1.0 pts |
| ROE | 12.6% | 4.4% | +8.2 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.6M | $44.4M | $25.5M | $6.9M | $435K | 1.69% | 5.45% | 1.07% | 3,813 |
| Q1 2026 | $51.6M | $44.5M | $25.6M | $6.8M | $168K | 1.30% | 4.76% | 0.98% | 3,768 |
| Q4 2025 | $50.5M | $43.4M | $26.4M | $6.7M | $687K | 1.36% | 5.02% | 0.56% | 3,744 |
| Q3 2025 | $49.4M | $42.3M | $27.6M | $6.6M | $641K | 1.73% | 5.17% | 0.89% | 3,722 |
| Q2 2025 | $50.9M | $44.1M | $27.6M | $6.4M | $379K | 1.49% | 4.88% | 1.10% | 3,671 |
| Q1 2025 | $50.5M | $44.0M | $27.4M | $6.3M | $257K | 2.04% | 4.85% | 0.89% | 3,621 |
| Q4 2024 | $50.5M | $44.3M | $27.5M | $6.0M | $495K | 0.98% | 4.54% | 0.84% | 3,580 |
| Q3 2024 | $51.9M | $45.7M | $27.3M | $5.8M | $324K | 0.83% | 4.36% | 0.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,563 |
| Q2 2024 | $50.0M | $44.0M | $26.8M | $5.6M | $109K | 0.43% | 4.47% | 0.55% | 3,537 |
Loan mix (Q2 2026): real estate $4.7M · commercial $0 · consumer $18.1M · securities $16.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 80.6% | 29th |
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 3 counties across 2 states (+1 vs 2025). Biggest market: Allen, IN, ranked 38th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 1 | $14.8M* | 0.12% | 38th |
| Ramsey, MN | 1 | $14.8M* | 0.02% | 53rd |
| Washington, MN | 1 | $14.8M* | 0.17% | 37th |
Minnesota: 337th with 0.01% · Indiana: 241st with 0.01% · Minneapolis-St. Paul-Bloomington metro: 158th, 0.01% · Fort Wayne metro: 42nd, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3