| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -0.8% | +0.9% | -1.7 pts |
| Loan growth (YoY) | -3.2% | -2.6% | -0.6 pts |
| ROA | 1.41% | 0.65% | +0.8 pts |
| ROE | 8.9% | 4.4% | +4.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.4M | $25.4M | $20.0M | $4.8M | $214K | 1.41% | 3.79% | 0.06% | 3,566 |
| Q1 2026 | $30.4M | $25.6M | $20.5M | $4.7M | $93K | 1.23% | 3.73% | 0.16% | 3,669 |
| Q4 2025 | $29.1M | $24.4M | $20.4M | $4.6M | $399K | 1.37% | 3.80% | 0.14% | 3,651 |
| Q3 2025 | $29.6M | $25.0M | $20.8M | $4.5M | $291K | 1.31% | 3.66% | 0.44% | 3,643 |
| Q2 2025 | $30.2M | $25.6M | $20.7M | $4.4M | $194K | 1.28% | 3.51% | 0.40% | 3,631 |
| Q1 2025 | $30.5M | $26.1M | $20.5M | $4.3M | $81K | 1.06% | 3.36% | 0.26% | 3,626 |
| Q4 2024 | $29.6M | $25.3M | $20.4M | $4.2M | $344K | 1.16% | 3.40% | 0.23% | 3,624 |
| Q3 2024 | $28.9M | $24.6M | $20.8M | $4.1M | $236K | 1.09% | 3.39% | 0.31% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,627 |
| Q2 2024 | $28.7M | $24.4M | $20.7M | $4.0M | $164K | 1.14% | 3.33% | 0.19% | 3,602 |
Loan mix (Q2 2026): real estate $3.3M · commercial $1.5M · consumer $14.4M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 80.6% | 23rd |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Wapello, IA, ranked 9th with 2.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wapello, IA | 1 | $25.4M* | 2.82% | 9th |
Iowa: 309th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1