| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.3 pts |
| Loan growth (YoY) | +6.4% | -2.4% | +8.8 pts |
| ROA | 1.03% | 0.60% | +0.4 pts |
| ROE | 14.7% | 4.1% | +10.6 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.2M | $15.9M | $8.9M | $1.2M | $44K | 1.03% | 4.67% | 1.02% | 1,392 |
| Q4 2025 | $16.4M | $15.2M | $8.3M | $1.2M | $227K | 1.39% | 4.63% | 1.09% | 1,393 |
| Q3 2025 | $16.2M | $15.0M | $8.2M | $1.2M | $180K | 1.48% | 4.62% | 0.61% | 1,408 |
| Q2 2025 | $16.0M | $14.8M | $8.5M | $1.1M | $122K | 1.53% | 4.60% | 0.29% | 1,414 |
| Q1 2025 | $15.9M | $14.8M | $8.4M | $1.1M | $61K | 1.53% | 4.43% | 0.14% | 1,418 |
| Q4 2024 | $14.7M | $13.7M | $8.6M | $1.0M | $223K | 1.52% | 4.30% | 0.29% | 1,422 |
| Q3 2024 | $14.9M | $13.9M | $8.4M | $975K | $181K | 1.62% | 4.10% | 0.03% | 1,432 |
| Q2 2024 | $15.1M | $14.1M | $8.1M | $907K | $113K | 1.50% | 3.83% | 0.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,442 |
Loan mix (Q1 2026): real estate $810K · commercial $0 · consumer $7.8M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 81.5% | 23rd |
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: Boone, MO, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Boone, MO | 1 | $14.8M* | 0.24% | 28th |
Missouri: 314th with 0.01% · Columbia metro: 33rd, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1