| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +2.9% | +0.9% | +2.0 pts |
| Loan growth (YoY) | -11.9% | -2.6% | -9.3 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 3.4% | 4.4% | -0.9 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.2M | $26.7M | $12.2M | $4.3M | $75K | 0.48% | 3.08% | 0.70% | 2,127 |
| Q1 2026 | $31.0M | $26.4M | $12.5M | $4.4M | $30K | 0.38% | 2.92% | 1.27% | 2,130 |
| Q4 2025 | $31.6M | $26.8M | $13.0M | $4.4M | $296K | 0.94% | 2.80% | 1.73% | 2,145 |
| Q3 2025 | $31.1M | $26.8M | $13.5M | $4.2M | $188K | 0.80% | 2.97% | 1.48% | 2,156 |
| Q2 2025 | $30.2M | $25.9M | $13.8M | $4.2M | $57K | 0.37% | 3.08% | 1.92% | 2,168 |
| Q1 2025 | $29.9M | $25.7M | $14.3M | $4.1M | $-43K | -0.58% | 3.18% | 2.16% | 2,171 |
| Q4 2024 | $28.7M | $24.5M | $14.7M | $4.0M | $230K | 0.80% | 3.14% | 2.49% | 2,167 |
| Q3 2024 | $28.4M | $24.4M | $14.6M | $4.0M | $131K | 0.62% | 3.15% | 3.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,191 |
| Q2 2024 | $28.3M | $24.4M | $14.9M | $3.9M | $189K | 1.34% | 3.12% | 3.08% | 2,177 |
Loan mix (Q2 2026): real estate $3.5M · commercial $0 · consumer $8.6M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 80.6% | 29th |
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.
4 branches in 3 counties across 3 states (+2 vs 2025). Biggest market: Grand Forks, ND, ranked 23rd with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grand Forks, ND | 2 | $13.3M* | 0.42% | 23rd |
| Salt Lake, UT | 1 | $6.7M* | 0.00% | 123rd |
| Genesee, MI | 1 | $6.7M* | 0.07% | 24th |
North Dakota: 99th with 0.03% · Utah: 149th with 0.00% · Michigan: 292nd with 0.00% · Grand Forks metro: 29th, 0.31% · Salt Lake City-Murray metro: 123rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 4