| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +4.1% | -7.4 pts |
| Share growth (YoY) | -1.9% | +3.5% | -5.5 pts |
| Loan growth (YoY) | -10.6% | +2.9% | -13.4 pts |
| ROA | -3.24% | 0.74% | -4.0 pts |
| ROE | -31.6% | 6.5% | -38.1 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.6M | $189.3M | $131.5M | $21.6M | $-3.4M | -3.24% | 3.12% | 7.34% | 8,472 |
| Q1 2026 | $216.9M | $191.8M | $134.1M | $25.0M | $-48K | -0.09% | 3.00% | 2.34% | 8,599 |
| Q4 2025 | $217.5M | $192.4M | $138.3M | $25.0M | $187K | 0.09% | 3.26% | 0.87% | 8,704 |
| Q3 2025 | $218.1M | $193.3M | $144.6M | $24.9M | $79K | 0.05% | 3.34% | 0.77% | 8,757 |
| Q2 2025 | $217.7M | $193.0M | $147.1M | $25.0M | $180K | 0.17% | 3.26% | 3.82% | 8,814 |
| Q1 2025 | $216.0M | $191.6M | $148.9M | $24.9M | $92K | 0.17% | 3.41% | 1.61% | 8,810 |
| Q4 2024 | $216.6M | $192.3M | $148.6M | $24.8M | $809K | 0.37% | 3.59% | 0.41% | 8,897 |
| Q3 2024 | $211.6M | $188.0M | $149.0M | $24.5M | $466K | 0.29% | 3.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.24% | 0.74% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -31.6% | 6.5% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 8,982 |
| Q2 2024 | $212.4M | $188.4M | $154.0M | $24.4M | $408K | 0.38% | 3.67% | 0.52% | 9,028 |
Loan mix (Q2 2026): real estate $54.2M · commercial $54.3M · consumer $17.2M · securities $55.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.2% | 77.5% | 98th |
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 3 counties across 1 state (+0 vs 2025). Biggest market: Park, WY, ranked 6th with 6.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Park, WY | 2 | $94.6M* | 6.86% | 6th |
| Washakie, WY | 1 | $47.3M* | 12.47% | 5th |
| Sheridan, WY | 1 | $47.3M* | 2.93% | 9th |
Wyoming: 41st with 0.72% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4