| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +1.3% | +9.5 pts |
| Share growth (YoY) | +16.8% | +0.9% | +15.8 pts |
| Loan growth (YoY) | -25.2% | -2.6% | -22.6 pts |
| ROA | 1.22% | 0.65% | +0.6 pts |
| ROE | 4.1% | 4.4% | -0.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $372K | $260K | $197K | $110K | $2K | 1.22% | 3.53% | 1.41% | 99 |
| Q1 2026 | $375K | $264K | $220K | $110K | $2K | 1.69% | 4.64% | 0.00% | 98 |
| Q4 2025 | $373K | $260K | $210K | $110K | $386 | 0.10% | 2.88% | 0.00% | 104 |
| Q3 2025 | $355K | $241K | $242K | $113K | $3K | 0.97% | 3.53% | 1.58% | 103 |
| Q2 2025 | $336K | $223K | $264K | $112K | $2K | 1.34% | 3.80% | 0.00% | 105 |
| Q1 2025 | $337K | $226K | $260K | $111K | $674 | 0.80% | 3.82% | 0.00% | 101 |
| Q4 2024 | $345K | $233K | $254K | $110K | $-13 | -0.00% | 3.23% | 0.00% | 102 |
| Q3 2024 | $351K | $235K | $264K | $115K | $6K | 2.13% | 3.61% | 0.00% | 100 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $327K |
| $212K |
| $251K |
| $114K |
| $5K |
| 2.86% |
| 3.78% |
| 0.48% |
| 101 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $176K · securities $107K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 80.6% | 18th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Linn, IA, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Linn, IA | 3 | $260K* | 0.00% | 39th |
Iowa: 342nd with 0.00% · Cedar Rapids metro: 49th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 3 · 2025 3 · 2026 3