Conservation Employees Credit Union
Total assets
$192.0M
▲ +10.6% YoY
Shares & deposits
$173.9M
▲ +10.0% YoY
Loans
$120.5M
▲ +2.0% YoY
Members
9,474
▲ +1.9% YoY
ROA (annualized)
1.10%
peers 0.69%
ROE (annualized)
11.49%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +3.9% | +6.7 pts |
| Share growth (YoY) | +10.1% | +3.3% | +6.8 pts |
| Loan growth (YoY) | +2.0% | +2.9% | -0.9 pts |
| ROA | 1.10% | 0.69% | +0.4 pts |
| ROE | 11.5% | 5.9% | +5.5 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 180, Jefferson City, MO, 65102
- NCUA charter #
- 64199
- RSSD ID
- 386692
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $192.0M | $173.9M | $120.5M | $18.4M | $528K | 1.10% | 2.59% | 0.13% | 9,474 |
| Q4 2025 | $188.0M | $170.5M | $119.6M | $17.9M | $1.9M | 1.00% | 2.52% | 0.06% | 9,445 |
| Q3 2025 | $182.0M | $165.0M | $119.4M | $17.2M | $1.2M | 0.89% | 2.54% | 0.05% | 9,403 |
| Q2 2025 | $177.0M | $160.7M | $117.2M | $16.6M | $620K | 0.70% | 2.52% | 0.06% | 9,349 |
| Q1 2025 | $173.6M | $158.0M | $118.1M | $16.2M | $232K | 0.54% | 2.47% | 0.05% | 9,301 |
| Q4 2024 | $169.0M | $154.2M | $117.4M | $16.0M | $715K | 0.42% | 2.30% | 0.05% | 9,267 |
| Q3 2024 | $166.2M | $151.3M | $116.4M | $15.7M | $422K | 0.34% | 2.29% | 0.01% | 9,245 |
| Q2 2024 | $165.0M | $150.9M | $117.1M | $15.6M | $235K | 0.28% | 2.25% | 0.03% | 9,207 |
Loan mix (Q1 2026): real estate $61.3M · commercial $2.8M · consumer $49.0M · securities $38.1M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.69% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.62% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 78.7% | 13th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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