| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +8.2% | +0.9% | +7.3 pts |
| Loan growth (YoY) | +4.0% | -2.6% | +6.6 pts |
| ROA | -3.96% | 0.65% | -4.6 pts |
| ROE | -18.6% | 4.4% | -23.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $611K | $474K | $146K | $130K | $-12K | -3.96% | 2.19% | 0.00% | 540 |
| Q1 2026 | $596K | $454K | $118K | $136K | $-6K | -3.98% | 2.58% | 0.51% | 568 |
| Q4 2025 | $564K | $417K | $131K | $142K | $-21K | -3.76% | 2.60% | 0.00% | 572 |
| Q3 2025 | $599K | $444K | $144K | $148K | $-15K | -3.36% | 2.65% | 0.00% | 571 |
| Q2 2025 | $597K | $438K | $140K | $151K | $-12K | -3.94% | 2.33% | 0.00% | 568 |
| Q1 2025 | $612K | $447K | $128K | $158K | $-5K | -3.19% | 2.88% | 0.00% | 569 |
| Q4 2024 | $604K | $435K | $141K | $163K | $-20K | -3.38% | 2.64% | 1.57% | 569 |
| Q3 2024 | $615K | $441K | $150K | $169K | $-15K | -3.20% | 2.81% | 0.00% | 568 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.96% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -18.6% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $624K | $446K | $160K | $172K | $-11K | -3.60% | 2.51% | 2.43% | 571 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $9K · securities $233K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 271.1% | 80.6% | 99th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Reno, KS, ranked 23rd with 0.0% of deposits.
Louisiana: 263rd with 0.00% · Kansas: 311th with 0.00% · Monroe metro: 32nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2