| Metric | Co - Lib Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | +26.1% | -2.4% | +28.5 pts |
| ROA | 4.70% | 0.60% | +4.1 pts |
| ROE | 31.4% | 4.1% | +27.3 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $1.1M | $843K | $200K | $16K | 4.70% | 3.38% | 0.83% | 231 |
| Q4 2025 | $1.3M | $1.1M | $870K | $184K | $12K | 0.91% | 2.24% | 0.84% | 234 |
| Q3 2025 | $1.3M | $1.1M | $898K | $184K | $12K | 1.27% | 2.83% | 0.84% | 233 |
| Q2 2025 | $1.2M | $1.0M | $782K | $185K | $12K | 2.01% | 3.12% | 1.02% | 233 |
| Q1 2025 | $1.3M | $1.1M | $668K | $179K | $7K | 2.08% | 3.49% | 1.25% | 230 |
| Q4 2024 | $1.2M | $1.0M | $725K | $172K | $19K | 1.59% | 2.26% | 4.36% | 222 |
| Q3 2024 | $1.2M | $1.0M | $745K | $173K | $20K | 2.16% | 2.74% | 1.14% | 232 |
| Q2 2024 | $1.2M | $1.0M | $778K | $169K | $16K | 2.62% | 2.96% | 0.00% | 233 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $840K · securities $157K
| Ratio | Co - Lib Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.70% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 31.4% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.6% | 81.5% | 3rd |
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 | Co - Lib 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 | Co - Lib 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 | Co - Lib 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 | Co - Lib 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 | Co - Lib 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 2024). Biggest market: St. Louis, MO, ranked 74th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 1 | $1.0M* | 0.00% | 74th |
Missouri: 349th with 0.00% · St. Louis metro: 143rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1