| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +7.8% | +0.7% | +7.1 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.8 pts |
| ROA | 1.61% | 0.60% | +1.0 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $67.3M | $57.7M | $27.6M | $9.2M | $271K | 1.61% | 2.92% | 0.80% | 3,973 |
| Q4 2025 | $64.7M | $55.4M | $27.6M | $8.9M | $890K | 1.38% | 2.82% | 0.54% | 3,993 |
| Q3 2025 | $62.3M | $53.2M | $28.2M | $8.7M | $678K | 1.45% | 2.87% | 0.59% | 4,016 |
| Q2 2025 | $61.4M | $52.5M | $26.7M | $8.4M | $424K | 1.38% | 2.83% | 0.75% | 4,008 |
| Q1 2025 | $62.2M | $53.6M | $26.4M | $8.2M | $209K | 1.34% | 2.69% | 0.50% | 4,055 |
| Q4 2024 | $60.0M | $51.5M | $26.7M | $8.0M | $614K | 1.02% | 2.50% | 0.62% | 4,050 |
| Q3 2024 | $59.3M | $50.9M | $27.0M | $7.8M | $452K | 1.02% | 2.46% | 0.96% | 4,069 |
| Q2 2024 | $59.2M | $51.1M | $26.9M | $7.7M | $277K | 0.94% | 2.42% | 0.80% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,090 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $22.4M · securities $34.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 81.5% | 4th |
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 2024). Biggest market: Freeborn, MN, ranked 10th with 5.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Freeborn, MN | 1 | $52.5M* | 5.09% | 10th |
Minnesota: 295th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1