Area
Aberdeen, SD · Charter 274 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$199.9MAssets
$141.3MLoans
$165.1MShares
$34.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 82% of credit unions under $1B in assets (rank 305 of 1683).
- Widest gap: net interest margin trails 49% of credit unions under $1B in assets (rank 825 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.37%
Rank 305 of 1,683
Net Interest Margin
3.84%
Rank 825 of 1,683
Efficiency Ratio
69.23%
Rank 433 of 1,682
Equity / Assets
17.10%
Rank 383 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.35% | 0.74% | 1.18% | Beats 82% | 305 / 1,683 | |
| Return on Equity | 8.01% | 2.67% | 5.89% | 8.74% | Beats 70% | 507 / 1,681 | |
| Net Interest Margin | 3.84% | 3.31% | 3.82% | 4.32% | Beats 51% | 825 / 1,683 | |
| Efficiency Ratio | 69.23% | 68.91% | 78.20% | 86.93% | Beats 74% | 433 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.26% | 0.65% | 1.29% | Beats 62% | 642 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.10% | 10.44% | 12.89% | 16.53% | Beats 77% | 383 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.10% | 10.44% | 12.89% | 16.53% | Beats 77% | 383 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 85.59% | 52.61% | 69.38% | 83.50% | 79th pctl | 358 / 1,683 | |
| Loans / Assets | 70.68% | 44.71% | 59.18% | 70.72% | 75th pctl | 423 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |