| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.8% | +1.3% | -18.1 pts |
| Share growth (YoY) | -35.6% | +0.9% | -36.5 pts |
| Loan growth (YoY) | +6.0% | -2.6% | +8.6 pts |
| ROA | 3.55% | 0.65% | +2.9 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $513K | $225K | $391K | $288K | $9K | 3.55% | 11.26% | 9.16% | 184 |
| Q1 2026 | $614K | $330K | $378K | $283K | $5K | 2.98% | 6.85% | 10.47% | 182 |
| Q4 2025 | $617K | $336K | $364K | $279K | $21K | 3.33% | 7.78% | 3.47% | 185 |
| Q3 2025 | $611K | $338K | $358K | $270K | $12K | 2.68% | 7.53% | 1.98% | 182 |
| Q2 2025 | $616K | $349K | $369K | $267K | $9K | 2.91% | 7.28% | 6.08% | 183 |
| Q1 2025 | $615K | $353K | $346K | $262K | $4K | 2.56% | 5.94% | 5.21% | 182 |
| Q4 2024 | $519K | $261K | $321K | $258K | $13K | 2.46% | 7.07% | 6.64% | 182 |
| Q3 2024 | $518K | $263K | $323K | $255K | $9K | 2.42% | 6.50% | 7.02% | 184 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.55% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 11.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $519K |
| $265K |
| $335K |
| $252K |
| $7K |
| 2.74% |
| 6.30% |
| 4.19% |
| 185 |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 80.6% | 15th |
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: Wyandotte, KS, ranked 29th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wyandotte, KS | 2 | $225K* | 0.01% | 29th |
Kansas: 312th with 0.00% · Kansas City metro: 154th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2