| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +481.4% | +1.3% | +480.2 pts |
| Share growth (YoY) | — | +0.9% | — |
| Loan growth (YoY) | — | -2.6% | — |
| ROA | -0.41% | 0.65% | -1.1 pts |
| ROE | -1.4% | 4.4% | -5.8 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.7M | $2.0M | $603K | $776K | $-6K | -0.41% | 2.53% | 0.00% | 147 |
| Q1 2026 | $2.4M | $1.8M | $224K | $611K | $-20K | -3.33% | 1.93% | 0.00% | 98 |
| Q4 2025 | $948K | $321K | $0 | $626K | $215K | 22.73% | 1.33% | — | 26 |
| Q3 2025 | $599K | $0 | $0 | $598K | $187K | 41.70% | 1.54% | — | 1 |
| Q2 2025 | $471K | $0 | $0 | $470K | $189K | 80.41% | 1.16% | — | 1 |
| Q1 2025 | $450K | $0 | $0 | $449K | $168K | 149.63% | 1.45% | — | 1 |
| Q4 2024 | $289K | $0 | $0 | $288K | $-2K | -0.76% | 0.00% | — | 1 |
| Q3 2024 | $124K | $0 | $0 | $123K | $-2K | -2.37% | 0.00% | — | 1 |
| Q2 2024 | $76K |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.41% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $0 |
| $0 |
| $75K |
| $-155 |
| -0.41% |
| 0.00% |
| — |
| 6 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $514K · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.4% | 80.6% | 78th |
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 2 counties across 1 state (+1 vs 2025). Biggest market: Hennepin, MN, ranked 90th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 2 | $1.3M* | 0.00% | 90th |
| Dakota, MN | 1 | $657K* | 0.01% | 51st |
Minnesota: 371st with 0.00% · Minneapolis-St. Paul-Bloomington metro: 175th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2024 2 · 2025 2 · 2026 3