| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -0.8% | +0.9% | -1.8 pts |
| Loan growth (YoY) | -14.9% | -2.6% | -12.2 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 7.5% | 4.4% | +3.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.6M | $5.1M | $3.6M | $510K | $19K | 0.68% | 1.29% | 0.00% | 340 |
| Q1 2026 | $5.5M | $5.0M | $4.0M | $511K | $7K | 0.54% | 1.47% | 0.00% | 341 |
| Q4 2025 | $5.5M | $4.9M | $4.2M | $503K | $36K | 0.67% | 1.65% | 0.00% | 345 |
| Q3 2025 | $5.7M | $5.2M | $4.2M | $481K | $14K | 0.32% | 1.29% | 0.00% | 352 |
| Q2 2025 | $5.6M | $5.1M | $4.2M | $472K | $5K | 0.18% | 1.16% | 0.00% | 356 |
| Q1 2025 | $5.7M | $5.2M | $4.3M | $462K | $-5K | -0.37% | 0.59% | 0.00% | 361 |
| Q4 2024 | $5.6M | $5.1M | $4.3M | $467K | $23K | 0.42% | 0.81% | 0.00% | 360 |
| Q3 2024 | $5.4M | $4.9M | $4.3M | $472K | $28K | 0.69% | 0.96% | 0.00% | 359 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 1.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.3M |
| $4.8M |
| $4.3M |
| $473K |
| $29K |
| 1.11% |
| 1.09% |
| 0.00% |
| 361 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.5% | 80.6% | 3rd |
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 2025). Biggest market: Ward, ND, ranked 18th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ward, ND | 1 | $5.1M* | 0.12% | 18th |
North Dakota: 102nd with 0.01% · Minot metro: 21st, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1