| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -5.1% | +0.9% | -6.1 pts |
| Loan growth (YoY) | -7.3% | -2.6% | -4.7 pts |
| ROA | 0.89% | 0.65% | +0.2 pts |
| ROE | 6.4% | 4.4% | +2.1 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.0M | $29.1M | $7.8M | $4.7M | $152K | 0.89% | 1.91% | 0.15% | 1,842 |
| Q1 2026 | $35.0M | $30.3M | $8.0M | $4.6M | $50K | 0.57% | 2.37% | 0.15% | 2,053 |
| Q4 2025 | $34.9M | $30.2M | $8.4M | $4.6M | $92K | 0.26% | 1.55% | 0.00% | 2,053 |
| Q3 2025 | $34.9M | $30.2M | $8.4M | $4.6M | $66K | 0.25% | 1.45% | 0.00% | 2,059 |
| Q2 2025 | $35.4M | $30.7M | $8.4M | $4.5M | $11K | 0.06% | 1.33% | 0.00% | 2,080 |
| Q1 2025 | $36.4M | $31.8M | $8.4M | $4.5M | $158 | 0.00% | 1.14% | 0.00% | 2,091 |
| Q4 2024 | $36.1M | $31.4M | $9.0M | $4.5M | $-8K | -0.02% | 0.99% | 0.22% | 1,976 |
| Q3 2024 | $35.6M | $31.0M | $9.6M | $4.5M | $38K | 0.14% | 1.03% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,000 |
| Q2 2024 | $36.2M | $31.4M | $10.1M | $4.5M | $41K | 0.23% | 0.96% | 0.56% | 2,007 |
Loan mix (Q2 2026): real estate $3.9M · commercial $0 · consumer $3.5M · securities $23.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 80.6% | 10th |
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: Leavenworth, KS, ranked 14th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Leavenworth, KS | 1 | $29.1M* | 1.22% | 14th |
Kansas: 253rd with 0.02% · Kansas City metro: 125th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1