| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | +0.8% | +0.9% | -0.1 pts |
| Loan growth (YoY) | -10.1% | -2.6% | -7.5 pts |
| ROA | -2.65% | 0.65% | -3.3 pts |
| ROE | -6.1% | 4.4% | -10.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.7M | $2.1M | $2.2M | $1.6M | $-49K | -2.65% | 5.34% | 0.17% | 533 |
| Q1 2026 | $3.7M | $2.1M | $2.1M | $1.6M | $-39K | -4.18% | 5.19% | 0.54% | 543 |
| Q4 2025 | $3.7M | $2.1M | $2.2M | $1.7M | $-36K | -0.96% | 5.62% | 1.20% | 546 |
| Q3 2025 | $3.7M | $2.0M | $2.4M | $1.7M | $-41K | -1.45% | 5.69% | 1.20% | 559 |
| Q2 2025 | $3.8M | $2.1M | $2.5M | $1.7M | $-45K | -2.38% | 5.61% | 0.71% | 563 |
| Q1 2025 | $3.8M | $2.1M | $2.5M | $1.7M | $-13K | -1.39% | 5.49% | 0.88% | 566 |
| Q4 2024 | $3.8M | $2.1M | $2.7M | $1.7M | $-27K | -0.72% | 1.41% | 1.46% | 576 |
| Q3 2024 | $3.9M | $2.2M | $2.9M | $1.7M | $14K | 0.48% | 5.87% | 1.38% | 568 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.65% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -6.1% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.9M | $2.1M | $3.1M | $1.7M | $14K | 0.74% | 5.81% | 1.07% | 585 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.8% | 80.6% | 91st |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Johnson, KS, ranked 77th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Johnson, KS | 1 | $1.0M* | 0.00% | 77th |
| Douglas, NE | 1 | $1.0M* | 0.00% | 71st |
Nebraska: 222nd with 0.00% · Kansas: 307th with 0.00% · Omaha metro: 108th, 0.00% · Kansas City metro: 152nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2