| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -21.8% | +1.3% | -23.1 pts |
| Share growth (YoY) | -15.9% | +0.9% | -16.9 pts |
| Loan growth (YoY) | -28.9% | -2.6% | -26.3 pts |
| ROA | -8.66% | 0.65% | -9.3 pts |
| ROE | -243.9% | 4.4% | -248.3 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.5M | $1.4M | $1.0M | $52K | $-63K | -8.66% | 6.51% | 5.23% | 817 |
| Q1 2026 | $1.6M | $1.5M | $1.2M | $79K | $-37K | -9.32% | 6.55% | 10.60% | 896 |
| Q4 2025 | $1.7M | $1.5M | $1.4M | $133K | $-36K | -2.20% | 6.83% | 2.29% | 882 |
| Q3 2025 | $1.8M | $1.6M | $1.4M | $154K | $-15K | -1.16% | 6.41% | 2.34% | 854 |
| Q2 2025 | $1.9M | $1.7M | $1.5M | $172K | $3K | 0.28% | 6.03% | 0.00% | 891 |
| Q1 2025 | $1.9M | $1.7M | $1.5M | $168K | $-2K | -0.50% | 6.01% | 4.53% | 300 |
| Q4 2024 | $1.8M | $1.7M | $1.5M | $174K | $11K | 0.59% | 6.17% | 4.63% | 891 |
| Q3 2024 | $2.0M | $1.8M | $1.6M | $173K | $9K | 0.63% | 5.70% | 0.28% | 890 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.66% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -243.9% | 4.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.2M | $2.0M | $1.6M | $170K | $7K | 0.62% | 5.09% | 0.00% | 886 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $891K · securities $13K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 201.4% | 80.6% | 99th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Pettis, MO, ranked 11th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pettis, MO | 2 | $1.4M* | 0.11% | 11th |
Missouri: 355th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2