| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | +0.2% | -2.4% | +2.6 pts |
| ROA | 1.41% | 0.60% | +0.8 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.5M | $32.8M | $26.0M | $8.2M | $147K | 1.41% | 4.03% | 2.40% | 3,378 |
| Q4 2025 | $41.2M | $32.5M | $25.5M | $8.1M | $655K | 1.59% | 4.06% | 2.47% | 3,377 |
| Q3 2025 | $42.4M | $33.7M | $25.6M | $7.9M | $429K | 1.35% | 3.91% | 3.21% | 3,379 |
| Q2 2025 | $41.8M | $33.4M | $25.3M | $7.7M | $307K | 1.47% | 3.94% | 2.84% | 3,366 |
| Q1 2025 | $41.1M | $32.9M | $25.9M | $7.5M | $92K | 0.89% | 3.95% | 2.38% | 3,319 |
| Q4 2024 | $40.6M | $32.4M | $25.0M | $7.4M | $680K | 1.67% | 3.79% | 2.71% | 3,313 |
| Q3 2024 | $40.0M | $31.9M | $25.0M | $7.1M | $465K | 1.55% | 3.64% | 1.70% | 3,329 |
| Q2 2024 | $38.7M | $31.0M | $25.1M | $6.9M | $257K | 1.33% | 3.59% | 2.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% |
Peer lists, growth filters, CSV export, CRM push.
| 3,306 |
Loan mix (Q1 2026): real estate $0 · commercial $2.1M · consumer $18.0M · securities $12.5M
| 81.5% |
| — |
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: Codington, SD, ranked 11th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Codington, SD | 1 | $33.4M* | 1.95% | 11th |
South Dakota: 91st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1