| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.8% | +4.1% | +16.7 pts |
| Share growth (YoY) | +21.8% | +3.5% | +18.3 pts |
| Loan growth (YoY) | +32.6% | +2.9% | +29.7 pts |
| ROA | 1.56% | 0.74% | +0.8 pts |
| ROE | 14.5% | 6.5% | +8.0 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.0M | $93.5M | $88.2M | $11.3M | $820K | 1.56% | 3.21% | 1.42% | 5,962 |
| Q1 2026 | $100.2M | $89.1M | $82.6M | $10.9M | $410K | 1.64% | 3.39% | 1.66% | 5,992 |
| Q4 2025 | $96.0M | $85.3M | $87.4M | $10.9M | $1.2M | 1.27% | 2.99% | 1.28% | 6,060 |
| Q3 2025 | $93.5M | $82.8M | $74.0M | $10.9M | $1.2M | 1.76% | 3.50% | 1.41% | 6,128 |
| Q2 2025 | $86.9M | $76.7M | $66.5M | $10.4M | $785K | 1.81% | 3.84% | 1.38% | 6,166 |
| Q1 2025 | $87.7M | $77.9M | $69.4M | $9.9M | $283K | 1.29% | 3.84% | 1.72% | 6,209 |
| Q4 2024 | $86.0M | $76.5M | $72.3M | $10.0M | $827K | 0.96% | 3.94% | 1.49% | 6,209 |
| Q3 2024 | $81.8M | $72.5M | $77.1M | $9.9M | $666K | 1.09% | 4.15% | 0.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.74% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 6.5% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 6,263 |
| Q2 2024 | $81.1M | $72.0M | $71.5M | $9.7M | $497K | 1.23% | 4.22% | 1.13% | 6,349 |
Loan mix (Q2 2026): real estate $122K · commercial $368K · consumer $56.9M · securities $161K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 77.5% | 9th |
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: Sheridan, WY, ranked 5th with 5.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sheridan, WY | 1 | $93.5M* | 5.78% | 5th |
Wyoming: 49th with 0.36% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1