| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +447.5% | +1.3% | +446.2 pts |
| Share growth (YoY) | — | +0.9% | — |
| Loan growth (YoY) | — | -2.6% | — |
| ROA | -17.79% | 0.65% | -18.4 pts |
| ROE | 781.7% | 4.4% | +777.3 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $547K | $492K | $35K | $-12K | $-49K | -17.79% | 1.64% | 0.00% | 183 |
| Q1 2026 | $326K | $407K | $0 | $13K | $-333 | -0.41% | -0.46% | — | 522 |
| Q4 2025 | $117K | $106K | $0 | $13K | $13K | 11.06% | -0.03% | — | 378 |
| Q3 2025 | $100K | $0 | $0 | $100K | $0 | 0.00% | 0.00% | — | 1 |
| Q2 2025 | $100K | $0 | $0 | $100K | $0 | 0.00% | 0.00% | — | 1 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $35K · securities $0
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -17.79% | 0.65% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | 781.7% | 4.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.64% | 3.88% | 2nd | |
Efficiency ratio |
Peer lists, growth filters, CSV export, CRM push.
| 304.2% |
| 80.6% |
100th |
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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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: St. Louis, MO, ranked 78th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 1 | $492K* | 0.00% | 78th |
Missouri: 361st with 0.00% · St. Louis metro: 146th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 1 · 2026 1