| Metric | Csd Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +1.3% | +8.8 pts |
| Share growth (YoY) | +10.8% | +0.9% | +9.8 pts |
| Loan growth (YoY) | +2.9% | -2.6% | +5.5 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $90.5M | $79.8M | $38.2M | $10.2M | $215K | 0.48% | 3.18% | 0.47% | 5,836 |
| Q1 2026 | $89.4M | $78.8M | $38.7M | $10.1M | $130K | 0.58% | 3.05% | 0.42% | 5,827 |
| Q4 2025 | $87.4M | $76.9M | $38.0M | $9.9M | $604K | 0.69% | 3.24% | 0.32% | 5,828 |
| Q3 2025 | $83.1M | $72.9M | $38.1M | $9.8M | $478K | 0.77% | 3.41% | 0.29% | 5,824 |
| Q2 2025 | $82.2M | $72.1M | $37.2M | $9.7M | $329K | 0.80% | 3.37% | 0.51% | 5,833 |
| Q1 2025 | $81.4M | $71.5M | $37.6M | $9.5M | $166K | 0.81% | 3.19% | 0.15% | 5,837 |
| Q4 2024 | $77.0M | $67.3M | $38.0M | $9.3M | $802K | 1.04% | 3.53% | 0.59% | 5,775 |
| Q3 2024 | $77.1M | $67.5M | $38.2M | $9.1M | $604K | 1.05% | 3.53% | 0.34% |
| Ratio | Csd Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,799 |
| Q2 2024 | $76.6M | $67.3M | $38.2M | $8.9M | $399K | 1.04% | 3.48% | 0.18% | 5,750 |
Loan mix (Q2 2026): real estate $18.8M · commercial $0 · consumer $18.3M · securities $44.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 80.6% | 51st |
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 | Csd 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 | Csd 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 | Csd 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 | Csd 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 | Csd 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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Clay, MO, ranked 26th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clay, MO | 1 | $39.9M* | 0.59% | 26th |
| Jackson, MO | 1 | $39.9M* | 0.07% | 47th |
Missouri: 248th with 0.03% · Kansas City metro: 95th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2