| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +4.5% | +0.9% | +3.6 pts |
| Loan growth (YoY) | +22.8% | -2.6% | +25.4 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 | $7.0M | $6.1M | $5.0M | $903K | $310 | 0.01% | 3.87% | 0.00% | 1,440 |
| Q1 2026 | $7.0M | $6.1M | $4.6M | $906K | $3K | 0.15% | 3.86% | 0.00% | 1,439 |
| Q4 2025 | $6.9M | $6.0M | $4.7M | $903K | $35K | 0.50% | 3.96% | 0.00% | 1,440 |
| Q3 2025 | $6.7M | $5.7M | $4.5M | $895K | $27K | 0.53% | 4.08% | 0.05% | 1,430 |
| Q2 2025 | $6.7M | $5.8M | $4.1M | $886K | $18K | 0.55% | 4.11% | 0.00% | 1,417 |
| Q1 2025 | $6.7M | $5.8M | $4.1M | $879K | $11K | 0.66% | 4.22% | 0.00% | 1,420 |
| Q4 2024 | $6.4M | $5.5M | $4.1M | $868K | $53K | 0.83% | 4.26% | 0.00% | 1,428 |
| Q3 2024 | $6.6M | $5.7M | $4.0M | $856K | $41K | 0.84% | 4.07% | 0.00% | 1,433 |
| 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% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.6M | $5.8M | $3.7M | $833K | $25K | 0.74% | 3.97% | 0.48% | 1,437 |
Loan mix (Q2 2026): real estate $353K · commercial $0 · consumer $3.2M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.5% | 80.6% | 86th |
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 (+0 vs 2025). Biggest market: Red Lake, MN, ranked 5th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Red Lake, MN | 2 | $6.1M* | 3.05% | 5th |
Minnesota: 364th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2