| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +2.4% | +0.9% | +1.5 pts |
| Loan growth (YoY) | -4.8% | -2.6% | -2.2 pts |
| ROA | -0.91% | 0.65% | -1.6 pts |
| ROE | -9.0% | 4.4% | -13.4 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.7M | $1.6M | $848K | $177K | $-8K | -0.91% | 3.80% | 0.00% | 219 |
| Q1 2026 | $1.9M | $1.7M | $899K | $180K | $-5K | -1.16% | 3.28% | 0.00% | 227 |
| Q4 2025 | $1.8M | $1.6M | $947K | $185K | $-4K | -0.25% | 4.28% | 0.00% | 228 |
| Q3 2025 | $1.7M | $1.5M | $906K | $188K | $-934 | -0.07% | 4.58% | 0.00% | 236 |
| Q2 2025 | $1.7M | $1.5M | $891K | $189K | $-235 | -0.03% | 4.58% | 0.00% | 234 |
| Q1 2025 | $1.8M | $1.6M | $923K | $190K | $415 | 0.09% | 4.43% | 0.00% | 233 |
| Q4 2024 | $1.7M | $1.5M | $841K | $189K | $15K | 0.84% | 4.92% | 0.00% | 239 |
| Q3 2024 | $1.7M | $1.6M | $811K | $185K | $11K | 0.81% | 4.96% | 0.00% | 240 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.91% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -9.0% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.8M | $1.6M | $818K | $183K | $9K | 0.97% | 4.99% | 0.48% | 239 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $718K · securities $606K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.0% | 80.6% | 93rd |
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: Wheatland, MT, ranked 2nd with 2.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wheatland, MT | 1 | $1.6M* | 2.82% | 2nd |
Montana: 91st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1