| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +1.3% | -9.5 pts |
| Share growth (YoY) | -9.3% | +0.7% | -9.9 pts |
| Loan growth (YoY) | +8.7% | -2.4% | +11.0 pts |
| ROA | -0.24% | 0.60% | -0.8 pts |
| ROE | -1.7% | 4.1% | -5.8 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.2M | $7.8M | $3.6M | $1.3M | $-6K | -0.24% | 3.58% | 0.50% | 847 |
| Q4 2025 | $8.7M | $7.4M | $3.6M | $1.3M | $4K | 0.04% | 3.91% | 0.36% | 866 |
| Q3 2025 | $9.2M | $7.9M | $3.8M | $1.3M | $1K | 0.02% | 3.58% | 0.25% | 869 |
| Q2 2025 | $10.3M | $9.0M | $3.6M | $1.3M | $6K | 0.11% | 3.04% | 0.32% | 868 |
| Q1 2025 | $10.0M | $8.6M | $3.3M | $1.3M | $-2K | -0.09% | 3.08% | 0.43% | 862 |
| Q4 2024 | $9.4M | $8.0M | $3.6M | $1.3M | $25K | 0.27% | 3.52% | 0.41% | 866 |
| Q3 2024 | $9.5M | $8.2M | $3.8M | $1.3M | $18K | 0.26% | 3.46% | 0.39% | 885 |
| Q2 2024 | $9.6M | $8.3M | $3.8M | $1.3M | $7K | 0.14% | 3.35% | 0.42% | 886 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.24% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $873K · commercial $0 · consumer $2.7M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.1% | 81.5% | 89th |
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: Douglas, NE, ranked 62nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, NE | 1 | $9.0M* | 0.03% | 62nd |
Nebraska: 206th with 0.01% · Omaha metro: 97th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1