| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +1.3% | -9.1 pts |
| Share growth (YoY) | -7.1% | +0.9% | -8.0 pts |
| Loan growth (YoY) | -24.5% | -2.6% | -21.8 pts |
| ROA | -1.41% | 0.65% | -2.1 pts |
| ROE | -19.6% | 4.4% | -24.0 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.3M | $1.2M | $879K | $95K | $-9K | -1.41% | 5.42% | 0.00% | 317 |
| Q1 2026 | $1.3M | $1.2M | $976K | $100K | $-4K | -1.12% | 5.79% | 0.00% | 335 |
| Q4 2025 | $1.4M | $1.3M | $1.0M | $104K | $-62K | -4.56% | 5.77% | 0.00% | 358 |
| Q3 2025 | $1.4M | $1.3M | $1.1M | $113K | $-53K | -4.97% | 5.66% | 0.00% | 349 |
| Q2 2025 | $1.4M | $1.3M | $1.2M | $113K | $-53K | -7.41% | 5.65% | 0.00% | 348 |
| Q1 2025 | $1.5M | $1.3M | $1.2M | $115K | $-51K | -13.90% | 5.75% | 0.00% | 354 |
| Q4 2024 | $1.5M | $1.3M | $1.2M | $166K | $-14K | -0.96% | 5.60% | 3.07% | 365 |
| Q3 2024 | $1.5M | $1.3M | $1.2M | $178K | $-2K | -0.20% | 5.48% | 0.11% | 361 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.41% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -19.6% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.7M | $1.5M | $1000K | $176K | $-4K | -0.49% | 4.78% | 0.00% | 357 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $841K · securities $110K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.7% | 80.6% | 95th |
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: Saline, KS, ranked 17th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saline, KS | 1 | $1.2M* | 0.05% | 17th |
Kansas: 306th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1