| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -5.1% | +0.9% | -6.1 pts |
| Loan growth (YoY) | -2.5% | -2.6% | +0.1 pts |
| ROA | -1.40% | 0.65% | -2.0 pts |
| ROE | -6.0% | 4.4% | -10.4 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.2M | $4.8M | $3.7M | $1.5M | $-43K | -1.40% | 4.73% | 5.67% | 1,487 |
| Q1 2026 | $6.1M | $4.7M | $3.8M | $1.5M | $-3K | -0.23% | 4.77% | 2.53% | 1,491 |
| Q4 2025 | $6.2M | $4.8M | $3.9M | $1.5M | $4K | 0.07% | 4.40% | 2.31% | 1,505 |
| Q3 2025 | $6.1M | $4.7M | $3.8M | $1.5M | $6K | 0.13% | 4.43% | 1.66% | 1,542 |
| Q2 2025 | $6.5M | $5.1M | $3.8M | $1.5M | $-8K | -0.24% | 4.08% | 2.19% | 1,551 |
| Q1 2025 | $6.7M | $5.3M | $3.7M | $1.5M | $-22K | -1.33% | 3.92% | 2.92% | 1,563 |
| Q4 2024 | $6.7M | $5.3M | $3.7M | $1.5M | $-28K | -0.42% | 3.76% | 3.80% | 1,577 |
| Q3 2024 | $6.6M | $5.0M | $4.0M | $1.5M | $-51K | -1.03% | 3.79% | 3.24% | 1,592 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.40% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -6.0% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.5M | $4.9M | $3.8M | $1.5M | $-20K | -0.62% | 3.90% | 2.61% | 1,595 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.2M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.0% | 80.6% | 86th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Scotts Bluff, NE, ranked 8th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Scotts Bluff, NE | 2 | $4.8M* | 0.39% | 8th |
Nebraska: 217th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2