| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.7 pts |
| ROA | -0.40% | 0.60% | -1.0 pts |
| ROE | -6.8% | 4.1% | -10.9 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.7M | $7.2M | $3.2M | $457K | $-8K | -0.40% | 4.49% | 1.74% | 1,721 |
| Q4 2025 | $7.7M | $7.1M | $3.2M | $465K | $-20K | -0.26% | 5.09% | 1.91% | 1,727 |
| Q3 2025 | $7.4M | $6.9M | $3.2M | $486K | $1K | 0.02% | 5.26% | 2.54% | 1,743 |
| Q2 2025 | $7.6M | $7.0M | $3.2M | $492K | $7K | 0.20% | 5.23% | 3.21% | 1,743 |
| Q1 2025 | $8.0M | $7.5M | $3.3M | $493K | $9K | 0.43% | 4.98% | 3.60% | 1,695 |
| Q4 2024 | $7.9M | $7.3M | $3.2M | $485K | $-20K | -0.25% | 4.18% | 1.40% | 1,735 |
| Q3 2024 | $8.2M | $7.7M | $3.4M | $482K | $-22K | -0.36% | 3.81% | 0.90% | 1,749 |
| Q2 2024 | $8.5M | $7.9M | $3.4M | $485K | $-19K | -0.44% | 3.52% | 0.87% | 1,752 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.40% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -6.8% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.4% | 81.5% | 89th |
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: Linn, IA, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Linn, IA | 1 | $7.0M* | 0.07% | 37th |
Iowa: 323rd with 0.00% · Cedar Rapids metro: 47th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1