| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | +2.0% | -2.4% | +4.4 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.7M | $46.8M | $21.5M | $8.5M | $61K | 0.44% | 2.77% | 0.35% | 2,394 |
| Q4 2025 | $55.4M | $46.7M | $21.1M | $8.4M | $338K | 0.61% | 2.69% | 0.14% | 2,411 |
| Q3 2025 | $55.9M | $47.2M | $21.5M | $8.4M | $261K | 0.62% | 2.65% | 0.14% | 2,411 |
| Q2 2025 | $55.6M | $47.0M | $21.4M | $8.3M | $184K | 0.66% | 2.60% | 0.09% | 2,444 |
| Q1 2025 | $55.5M | $47.0M | $21.1M | $8.2M | $80K | 0.58% | 2.58% | 0.49% | 2,462 |
| Q4 2024 | $54.0M | $45.6M | $20.9M | $8.1M | $244K | 0.45% | 2.49% | 0.38% | 2,471 |
| Q3 2024 | $54.6M | $46.1M | $21.1M | $8.1M | $210K | 0.51% | 2.49% | 0.31% | 2,494 |
| Q2 2024 | $55.5M | $47.1M | $21.1M | $8.0M | $161K | 0.58% | 2.46% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,494 |
Loan mix (Q1 2026): real estate $8.1M · commercial $1.6M · consumer $9.4M · securities $26.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 81.5% | 63rd |
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 1 state (+0 vs 2024). Biggest market: Decatur, KS, ranked 4th with 16.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Decatur, KS | 1 | $23.5M* | 16.11% | 4th |
| Norton, KS | 1 | $23.5M* | 10.91% | 3rd |
Kansas: 222nd with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2