| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.1% | +2.5 pts |
| Share growth (YoY) | +6.0% | +3.5% | +2.5 pts |
| Loan growth (YoY) | +12.8% | +2.9% | +9.9 pts |
| ROA | 1.42% | 0.74% | +0.7 pts |
| ROE | 9.2% | 6.5% | +2.7 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $376.7M | $313.5M | $282.3M | $58.1M | $2.7M | 1.42% | 4.38% | 0.36% | 19,503 |
| Q1 2026 | $374.2M | $312.6M | $274.1M | $56.7M | $1.3M | 1.35% | 4.30% | 0.18% | 19,213 |
| Q4 2025 | $365.6M | $304.1M | $271.0M | $55.4M | $4.2M | 1.16% | 3.94% | 0.37% | 19,118 |
| Q3 2025 | $363.6M | $303.5M | $261.7M | $55.1M | $3.9M | 1.44% | 4.13% | 0.72% | 19,018 |
| Q2 2025 | $353.2M | $295.7M | $250.3M | $53.6M | $2.4M | 1.36% | 4.14% | 0.73% | 18,858 |
| Q1 2025 | $353.0M | $296.2M | $244.7M | $52.2M | $999K | 1.13% | 4.00% | 0.34% | 18,676 |
| Q4 2024 | $343.2M | $286.9M | $246.0M | $51.2M | $2.9M | 0.84% | 3.76% | 0.53% | 18,603 |
| Q3 2024 | $343.6M | $286.6M | $247.4M | $51.3M | $3.0M | 1.18% | 3.91% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.74% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 6.5% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 18,594 |
| Q2 2024 | $332.7M | $277.1M | $246.2M | $50.2M | $1.9M | 1.14% | 3.99% | 0.53% | 18,452 |
Loan mix (Q2 2026): real estate $145.9M · commercial $60.3M · consumer $53.0M · securities $38.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 77.5% | 36th |
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.
6 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Hubbard, MN, ranked 3rd with 15.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hubbard, MN | 2 | $104.5M* | 15.81% | 3rd |
| Koochiching, MN | 2 | $104.5M* | 28.56% | 1st |
| Beltrami, MN | 1 | $52.3M* | 2.34% | 7th |
| 1 more county with Pro → | ||||
Minnesota: 121st with 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6