| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -7.6% | +0.9% | -8.5 pts |
| Loan growth (YoY) | -7.7% | -2.6% | -5.1 pts |
| ROA | -0.37% | 0.65% | -1.0 pts |
| ROE | -0.9% | 4.4% | -5.3 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.9M | $2.3M | $2.9M | $2.0M | $-9K | -0.37% | 9.32% | 3.84% | 1,191 |
| Q1 2026 | $5.1M | $2.4M | $2.9M | $2.1M | $66K | 5.14% | 9.70% | 2.49% | 1,188 |
| Q4 2025 | $5.0M | $2.4M | $3.0M | $1.9M | $-171K | -3.43% | 7.22% | 2.80% | 1,178 |
| Q3 2025 | $5.3M | $2.4M | $3.2M | $2.0M | $-153K | -3.88% | 6.73% | 1.48% | 1,181 |
| Q2 2025 | $4.9M | $2.5M | $3.2M | $2.0M | $-102K | -4.16% | 7.26% | 1.55% | 1,805 |
| Q1 2025 | $4.7M | $2.5M | $2.7M | $1.9M | $-307K | -25.99% | 6.68% | 1.36% | 1,203 |
| Q4 2024 | $4.8M | $2.4M | $2.7M | $2.2M | $-184K | -3.83% | 7.57% | 1.93% | 1,219 |
| Q3 2024 | $5.2M | $2.3M | $2.8M | $2.3M | $-116K | -3.00% | 7.17% | 7.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.37% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 9.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,251 |
| Q2 2024 | $5.5M | $2.3M | $2.8M | $2.3M | $-62K | -2.26% | 6.88% | 7.12% | 1,287 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $4K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 123.4% | 80.6% | 96th |
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.
3 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: Roberts, SD, ranked 7th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Roberts, SD | 2 | $1.5M* | 0.31% | 7th |
| Yankton, SD | 1 | $758K* | 0.05% | 10th |
South Dakota: 117th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3