| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +3.0% | +0.9% | +2.1 pts |
| Loan growth (YoY) | -19.3% | -2.6% | -16.7 pts |
| ROA | 0.69% | 0.65% | +0.0 pts |
| ROE | 6.5% | 4.4% | +2.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.2M | $27.1M | $8.5M | $3.2M | $104K | 0.69% | 3.57% | 0.19% | 2,229 |
| Q1 2026 | $29.7M | $26.7M | $8.9M | $3.1M | $16K | 0.21% | 3.29% | 0.11% | 2,249 |
| Q4 2025 | $29.5M | $26.4M | $9.5M | $3.1M | $187K | 0.63% | 3.72% | 0.29% | 2,273 |
| Q3 2025 | $29.9M | $26.8M | $9.9M | $3.1M | $190K | 0.85% | 3.69% | 1.18% | 2,259 |
| Q2 2025 | $29.3M | $26.3M | $10.6M | $3.0M | $111K | 0.76% | 3.73% | 0.87% | 2,270 |
| Q1 2025 | $28.5M | $25.6M | $10.5M | $2.9M | $60K | 0.84% | 3.83% | 1.02% | 2,297 |
| Q4 2024 | $27.8M | $24.9M | $11.0M | $2.9M | $125K | 0.45% | 3.58% | 0.94% | 2,302 |
| Q3 2024 | $26.8M | $23.8M | $10.6M | $3.0M | $207K | 1.03% | 3.84% | 1.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,307 |
| Q2 2024 | $26.9M | $24.0M | $10.5M | $2.9M | $156K | 1.15% | 3.76% | 0.29% | 2,285 |
Loan mix (Q2 2026): real estate $743K · commercial $0 · consumer $6.8M · securities $12.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 80.6% | 55th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Grand Forks, ND, ranked 22nd with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grand Forks, ND | 1 | $13.5M* | 0.42% | 22nd |
| Cass, ND | 1 | $13.5M* | 0.11% | 35th |
North Dakota: 91st with 0.06% · Grand Forks metro: 28th, 0.32% · Fargo metro: 39th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2