| Metric | Red Wing Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.1% | -2.2 pts |
| Share growth (YoY) | +0.5% | +3.5% | -3.0 pts |
| Loan growth (YoY) | +3.7% | +2.9% | +0.9 pts |
| ROA | 1.20% | 0.74% | +0.5 pts |
| ROE | 9.6% | 6.5% | +3.1 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208.0M | $184.7M | $111.3M | $26.0M | $1.2M | 1.20% | 3.29% | 0.30% | 9,761 |
| Q1 2026 | $207.8M | $184.8M | $107.2M | $25.4M | $661K | 1.27% | 3.24% | 0.36% | 9,734 |
| Q4 2025 | $205.0M | $182.4M | $106.6M | $24.8M | $2.2M | 1.08% | 3.12% | 0.35% | 9,714 |
| Q3 2025 | $205.3M | $183.6M | $107.6M | $24.2M | $1.7M | 1.11% | 3.06% | 0.28% | 9,710 |
| Q2 2025 | $204.2M | $183.7M | $107.3M | $23.6M | $1.1M | 1.05% | 2.97% | 0.32% | 9,660 |
| Q1 2025 | $200.4M | $180.9M | $103.9M | $23.0M | $455K | 0.91% | 2.91% | 0.37% | 9,614 |
| Q4 2024 | $189.6M | $171.6M | $103.3M | $22.5M | $2.1M | 1.09% | 2.82% | 0.33% | 9,572 |
| Q3 2024 | $184.8M | $165.7M | $103.4M | $22.1M | $1.7M | 1.21% | 2.88% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Red Wing Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.74% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 6.5% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 9,548 |
| Q2 2024 | $178.7M | $161.8M | $103.2M | $21.6M | $1.1M | 1.27% | 2.91% | 0.31% | 9,462 |
Loan mix (Q2 2026): real estate $57.8M · commercial $9.2M · consumer $29.0M · securities $72.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 77.5% | 21st |
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 | Red Wing Credit Union | 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 | Red Wing Credit Union | 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 | Red Wing Credit Union | 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 | Red Wing Credit Union | 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 | Red Wing Credit Union | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Goodhue, MN, ranked 4th with 11.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Goodhue, MN | 1 | $184.7M* | 11.31% | 4th |
Minnesota: 180th with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1