| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.3 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.1 pts |
| ROA | 1.18% | 0.65% | +0.5 pts |
| ROE | 10.8% | 4.4% | +6.4 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.8M | $39.4M | $27.2M | $4.9M | $265K | 1.18% | 4.44% | 1.49% | 3,739 |
| Q1 2026 | $46.0M | $40.8M | $27.2M | $4.8M | $149K | 1.29% | 4.27% | 1.29% | 3,725 |
| Q4 2025 | $45.2M | $39.9M | $28.3M | $4.6M | $593K | 1.31% | 3.92% | 1.84% | 3,724 |
| Q3 2025 | $45.6M | $40.7M | $28.3M | $4.6M | $501K | 1.46% | 3.98% | 0.80% | 3,790 |
| Q2 2025 | $46.3M | $41.2M | $28.2M | $4.4M | $369K | 1.59% | 3.81% | 0.70% | 3,794 |
| Q1 2025 | $45.5M | $40.8M | $27.9M | $4.2M | $139K | 1.22% | 3.74% | 0.61% | 3,800 |
| Q4 2024 | $44.1M | $39.5M | $28.6M | $4.1M | $546K | 1.24% | 3.81% | 0.50% | 3,828 |
| Q3 2024 | $43.6M | $39.4M | $28.5M | $3.8M | $338K | 1.03% | 3.81% | 0.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,837 |
| Q2 2024 | $42.3M | $37.9M | $28.5M | $3.7M | $203K | 0.96% | 3.84% | 0.67% | 3,830 |
Loan mix (Q2 2026): real estate $5.2M · commercial $0 · consumer $20.5M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 80.6% | 20th |
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: Dakota, MN, ranked 40th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dakota, MN | 1 | $39.4M* | 0.31% | 40th |
Minnesota: 317th with 0.01% · Minneapolis-St. Paul-Bloomington metro: 151st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1