| Metric | County Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +2.5% | +0.9% | +1.6 pts |
| Loan growth (YoY) | +3.8% | -2.6% | +6.4 pts |
| ROA | -0.14% | 0.65% | -0.8 pts |
| ROE | -1.2% | 4.4% | -5.6 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.9M | $22.7M | $12.3M | $3.0M | $-18K | -0.14% | 4.80% | 0.99% | 1,951 |
| Q1 2026 | $26.2M | $22.9M | $12.0M | $3.0M | $-21K | -0.33% | 4.67% | 0.57% | 1,953 |
| Q4 2025 | $25.6M | $22.2M | $11.9M | $3.0M | $80K | 0.31% | 4.79% | 0.97% | 1,956 |
| Q3 2025 | $25.5M | $22.1M | $11.5M | $3.1M | $104K | 0.54% | 5.24% | 1.02% | 1,952 |
| Q2 2025 | $25.4M | $22.1M | $11.9M | $3.0M | $40K | 0.32% | 4.92% | 2.21% | 1,948 |
| Q1 2025 | $25.6M | $22.3M | $12.0M | $3.0M | $-27K | -0.43% | 4.69% | 1.90% | 1,960 |
| Q4 2024 | $25.3M | $22.0M | $12.6M | $3.0M | $210K | 0.83% | 4.60% | 0.91% | 1,977 |
| Q3 2024 | $25.7M | $22.2M | $12.2M | $3.1M | $232K | 1.20% | 4.46% | 1.03% |
| Ratio | County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.14% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,969 |
| Q2 2024 | $25.0M | $21.7M | $12.2M | $2.9M | $79K | 0.63% | 4.49% | 1.39% | 1,968 |
Loan mix (Q2 2026): real estate $1.1M · commercial $0 · consumer $9.4M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.8% | 80.6% | 82nd |
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 | County 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 | County 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 | County 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 | County 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 | County 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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: St. Louis, MO, ranked 70th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 2 | $15.1M* | 0.03% | 70th |
| Sedgwick, KS | 1 | $7.6M* | 0.03% | 50th |
Missouri: 321st with 0.01% · Kansas: 288th with 0.01% · St. Louis metro: 134th, 0.01% · Wichita metro: 61st, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3