| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +1.3% | +6.3 pts |
| Share growth (YoY) | +8.6% | +0.9% | +7.7 pts |
| Loan growth (YoY) | +22.4% | -2.6% | +25.1 pts |
| ROA | -0.02% | 0.65% | -0.7 pts |
| ROE | -0.2% | 4.4% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.6M | $38.8M | $28.6M | $4.6M | $-4K | -0.02% | 4.05% | 2.65% | 3,819 |
| Q1 2026 | $43.2M | $38.3M | $27.7M | $4.6M | $4K | 0.04% | 3.88% | 2.51% | 3,779 |
| Q4 2025 | $41.7M | $37.0M | $25.3M | $4.6M | $66K | 0.16% | 4.18% | 3.27% | 3,709 |
| Q3 2025 | $40.8M | $36.0M | $24.8M | $4.6M | $67K | 0.22% | 4.20% | 4.85% | 3,676 |
| Q2 2025 | $40.5M | $35.7M | $23.3M | $4.6M | $74K | 0.36% | 4.31% | 3.84% | 3,615 |
| Q1 2025 | $41.2M | $36.5M | $22.7M | $4.5M | $11K | 0.11% | 3.99% | 1.22% | 3,594 |
| Q4 2024 | $39.0M | $34.4M | $23.0M | $4.5M | $259K | 0.66% | 4.03% | 2.20% | 3,573 |
| Q3 2024 | $38.5M | $33.4M | $22.9M | $4.5M | $183K | 0.63% | 3.99% | 0.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,563 |
| Q2 2024 | $38.5M | $33.9M | $22.7M | $4.4M | $149K | 0.78% | 3.94% | 4.24% | 3,546 |
Loan mix (Q2 2026): real estate $11.7M · commercial $0 · consumer $15.4M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 80.6% | 68th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Woodbury, IA, ranked 19th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Woodbury, IA | 4 | $38.8M* | 1.00% | 19th |
Iowa: 292nd with 0.02% · Sioux City metro: 25th, 0.76% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4