| Metric | City Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +7.6% | +0.9% | +6.7 pts |
| Loan growth (YoY) | +4.4% | -2.6% | +7.0 pts |
| ROA | 0.62% | 0.65% | -0.0 pts |
| ROE | 5.2% | 4.4% | +0.8 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.5M | $56.6M | $38.1M | $7.8M | $203K | 0.62% | 4.28% | 1.90% | 4,152 |
| Q1 2026 | $64.4M | $55.2M | $38.0M | $7.7M | $108K | 0.67% | 4.37% | 1.31% | 4,160 |
| Q4 2025 | $62.3M | $53.5M | $38.6M | $7.6M | $736K | 1.18% | 4.66% | 1.86% | 4,166 |
| Q3 2025 | $61.4M | $52.7M | $36.9M | $7.4M | $563K | 1.22% | 4.74% | 1.69% | 4,165 |
| Q2 2025 | $61.3M | $52.6M | $36.5M | $7.3M | $416K | 1.36% | 4.72% | 1.17% | 4,174 |
| Q1 2025 | $59.5M | $51.5M | $36.9M | $7.2M | $292K | 1.96% | 4.80% | 1.28% | 4,177 |
| Q4 2024 | $56.4M | $48.7M | $37.4M | $6.9M | $693K | 1.23% | 4.95% | 1.35% | 4,211 |
| Q3 2024 | $56.5M | $48.8M | $37.4M | $6.8M | $579K | 1.37% | 4.87% | 1.36% |
| Ratio | City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,235 |
| Q2 2024 | $55.1M | $48.0M | $37.1M | $6.6M | $421K | 1.53% | 4.91% | 1.20% | 4,251 |
Loan mix (Q2 2026): real estate $5.9M · commercial $0 · consumer $29.2M · securities $19.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 80.6% | 38th |
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 | City Credit Union | 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 | City Credit Union | 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 | City Credit Union | 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 | City Credit Union | 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 | City Credit Union | 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 2025). Biggest market: Jackson, MO, ranked 43rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 1 | $56.6M* | 0.10% | 43rd |
Missouri: 274th with 0.02% · Kansas City metro: 107th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1