| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.9% | +3.3 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | +21.3% | +2.9% | +18.4 pts |
| ROA | 1.12% | 0.69% | +0.4 pts |
| ROE | 8.1% | 5.9% | +2.1 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.4M | $89.3M | $45.7M | $14.1M | $285K | 1.12% | 3.07% | 0.38% | 4,926 |
| Q4 2025 | $100.0M | $87.1M | $46.5M | $13.9M | $1.3M | 1.33% | 2.81% | 0.45% | 5,002 |
| Q3 2025 | $99.7M | $87.4M | $39.7M | $13.4M | $887K | 1.19% | 2.71% | 0.47% | 5,129 |
| Q2 2025 | $98.0M | $86.4M | $38.0M | $13.1M | $570K | 1.16% | 2.65% | 0.39% | 5,232 |
| Q1 2025 | $95.5M | $84.4M | $37.6M | $12.8M | $229K | 0.96% | 2.58% | 0.34% | 5,316 |
| Q4 2024 | $91.8M | $81.3M | $38.4M | $12.5M | $1.1M | 1.18% | 2.66% | 0.43% | 5,388 |
| Q3 2024 | $91.9M | $81.3M | $38.8M | $12.3M | $786K | 1.14% | 2.64% | 0.33% | 5,459 |
| Q2 2024 | $89.9M | $80.6M | $39.1M | $11.9M | $447K | 0.99% | 2.62% | 0.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,486 |
Loan mix (Q1 2026): real estate $5.8M · commercial $3.1M · consumer $35.6M · securities $36.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 78.7% | 9th |
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: Cole, MO, ranked 10th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cole, MO | 1 | $86.4M* | 1.47% | 10th |
Missouri: 231st with 0.03% · Jefferson City metro: 13th, 1.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1