| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +2.8% | +0.9% | +1.9 pts |
| Loan growth (YoY) | -9.3% | -2.6% | -6.7 pts |
| ROA | -0.17% | 0.65% | -0.8 pts |
| ROE | -1.4% | 4.4% | -5.8 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.3M | $29.6M | $17.1M | $4.2M | $-29K | -0.17% | 2.59% | 0.00% | 2,388 |
| Q1 2026 | $33.3M | $28.8M | $17.5M | $4.2M | $-33K | -0.40% | 2.65% | 0.00% | 2,395 |
| Q4 2025 | $32.8M | $28.4M | $18.2M | $4.2M | $-215K | -0.65% | 2.75% | 0.00% | 2,396 |
| Q3 2025 | $33.1M | $28.6M | $18.5M | $4.3M | $-158K | -0.63% | 2.72% | 0.00% | 2,408 |
| Q2 2025 | $33.6M | $28.8M | $18.9M | $4.5M | $20K | 0.12% | 2.68% | 0.00% | 2,419 |
| Q1 2025 | $34.2M | $29.6M | $19.0M | $4.5M | $1K | 0.01% | 2.54% | 0.00% | 2,439 |
| Q4 2024 | $33.7M | $29.2M | $19.4M | $4.4M | $-90K | -0.27% | 2.24% | 0.10% | 2,464 |
| Q3 2024 | $34.3M | $29.6M | $19.4M | $4.5M | $-71K | -0.28% | 2.18% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,510 |
| Q2 2024 | $34.5M | $29.8M | $18.6M | $4.5M | $-70K | -0.41% | 2.08% | 0.00% | 2,521 |
Loan mix (Q2 2026): real estate $9.3M · commercial $0 · consumer $7.6M · securities $12.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.7% | 80.6% | 90th |
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 3 counties across 3 states (+1 vs 2025). Biggest market: Douglas, NE, ranked 62nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, NE | 1 | $9.9M* | 0.03% | 62nd |
| Baldwin, AL | 1 | $9.9M* | 0.12% | 41st |
| Pottawattamie, IA | 1 | $9.9M* | 0.32% | 19th |
Iowa: 322nd with 0.01% · Nebraska: 204th with 0.01% · Alabama: 218th with 0.01% · Omaha metro: 90th, 0.04% · Daphne-Fairhope-Foley metro: 41st, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3