| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +1.3% | +8.9 pts |
| Share growth (YoY) | +7.5% | +0.9% | +6.6 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.3 pts |
| ROA | -0.16% | 0.65% | -0.8 pts |
| ROE | -0.9% | 4.4% | -5.3 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.3M | $18.7M | $11.1M | $4.0M | $-18K | -0.16% | 2.58% | 1.54% | 3,256 |
| Q1 2026 | $23.0M | $19.0M | $11.0M | $4.1M | $39K | 0.68% | 3.07% | 1.58% | 3,236 |
| Q4 2025 | $21.2M | $17.4M | $11.3M | $4.0M | $283K | 1.33% | 3.98% | 1.12% | 3,235 |
| Q3 2025 | $20.9M | $17.1M | $11.3M | $4.0M | $251K | 1.60% | 4.01% | 1.47% | 3,214 |
| Q2 2025 | $21.1M | $17.4M | $10.8M | $3.9M | $152K | 1.44% | 3.97% | 1.07% | 3,197 |
| Q1 2025 | $21.9M | $18.2M | $9.8M | $3.8M | $57K | 1.04% | 3.76% | 0.90% | 3,169 |
| Q4 2024 | $20.9M | $17.2M | $9.8M | $3.8M | $349K | 1.67% | 4.45% | 1.03% | 3,167 |
| Q3 2024 | $21.3M | $17.5M | $9.8M | $3.7M | $337K | 2.11% | 4.44% | 1.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,164 |
| Q2 2024 | $21.1M | $17.2M | $9.5M | $3.7M | $257K | 2.44% | 4.60% | 1.41% | 3,153 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $10.1M · securities $8.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 80.6% | 66th |
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.
3 branches in 3 counties across 2 states (+2 vs 2025). Biggest market: Valley, MT, ranked 5th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Valley, MT | 1 | $6.2M* | 1.75% | 5th |
| Roosevelt, MT | 1 | $6.2M* | 1.61% | 4th |
| Polk, IA | 1 | $6.2M* | 0.02% | 57th |
Montana: 83rd with 0.03% · Iowa: 326th with 0.00% · Des Moines-West Des Moines metro: 79th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3