| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.8% | +1.3% | +18.5 pts |
| Share growth (YoY) | +21.2% | +0.7% | +20.6 pts |
| Loan growth (YoY) | +4.7% | -2.4% | +7.1 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.2M | $26.2M | $7.6M | $2.9M | $61K | 0.84% | 2.33% | 0.59% | 1,423 |
| Q4 2025 | $28.7M | $25.7M | $7.3M | $2.8M | $175K | 0.61% | 2.26% | 0.22% | 1,424 |
| Q3 2025 | $27.8M | $24.9M | $7.6M | $2.8M | $126K | 0.60% | 2.29% | 0.61% | 1,432 |
| Q2 2025 | $25.0M | $22.2M | $7.4M | $2.7M | $78K | 0.62% | 2.50% | 0.65% | 1,434 |
| Q1 2025 | $24.4M | $21.6M | $7.3M | $2.7M | $32K | 0.52% | 2.46% | 0.92% | 1,517 |
| Q4 2024 | $24.0M | $21.2M | $7.4M | $2.6M | $81K | 0.34% | 2.33% | 0.85% | 1,512 |
| Q3 2024 | $23.6M | $20.8M | $7.6M | $2.6M | $71K | 0.40% | 2.33% | 0.62% | 1,500 |
| Q2 2024 | $23.9M | $21.2M | $7.9M | $2.6M | $29K | 0.24% | 2.21% | 0.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,495 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.0M · securities $20.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 81.5% | 24th |
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 2024). Biggest market: Pennington, SD, ranked 17th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pennington, SD | 1 | $22.2M* | 0.49% | 17th |
South Dakota: 99th with 0.00% · Rapid City metro: 19th, 0.40% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1