| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +1.3% | +10.9 pts |
| Share growth (YoY) | +13.3% | +0.9% | +12.4 pts |
| Loan growth (YoY) | +1.7% | -2.6% | +4.3 pts |
| ROA | 0.01% | 0.65% | -0.6 pts |
| ROE | 0.1% | 4.4% | -4.3 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.9M | $3.6M | $2.7M | $283K | $179 | 0.01% | 1.57% | 0.00% | 394 |
| Q1 2026 | $3.7M | $3.4M | $2.6M | $283K | $80 | 0.01% | 1.49% | 1.23% | 395 |
| Q4 2025 | $3.5M | $3.2M | $2.7M | $283K | $188 | 0.01% | 1.68% | 1.17% | 392 |
| Q3 2025 | $3.5M | $3.2M | $2.7M | $283K | $159 | 0.01% | 1.63% | 1.19% | 393 |
| Q2 2025 | $3.5M | $3.2M | $2.6M | $282K | $31 | 0.00% | 1.63% | 0.00% | 390 |
| Q1 2025 | $3.4M | $3.1M | $2.6M | $282K | $61 | 0.01% | 1.63% | 0.00% | 387 |
| Q4 2024 | $3.3M | $3.0M | $2.7M | $282K | $387 | 0.01% | 1.74% | 0.00% | 389 |
| Q3 2024 | $3.2M | $3.0M | $2.7M | $282K | $321 | 0.01% | 1.74% | 0.02% | 385 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.2M |
| $2.9M |
| $2.7M |
| $282K |
| $208 |
| 0.01% |
| 1.78% |
| 0.01% |
| 378 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $659K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 80.6% | 83rd |
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: Park, WY, ranked 12th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Park, WY | 2 | $3.6M* | 0.26% | 12th |
Wyoming: 64th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2