Csd Credit Union
Total assets
$89.4M
▲ +9.8% YoY
Shares & deposits
$78.8M
▲ +10.2% YoY
Loans
$38.7M
▲ +2.7% YoY
Members
5,827
▼ -0.2% YoY
ROA (annualized)
0.58%
peers 0.60%
ROE (annualized)
5.18%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Csd Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +10.2% | +0.7% | +9.5 pts |
| Loan growth (YoY) | +2.7% | -2.4% | +5.1 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
Profile
- Established
- 1959
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 8510 E. Bannister Rd, Kansas City, MO, 64134
- NCUA charter #
- 62701
- RSSD ID
- 990893
- 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 | $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% | 5,799 |
| Q2 2024 | $76.6M | $67.3M | $38.2M | $8.9M | $399K | 1.04% | 3.48% | 0.18% | 5,750 |
Loan mix (Q1 2026): real estate $19.0M · commercial $0 · consumer $18.5M · securities $40.4M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Csd Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.83% | 20th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 81.5% | 42th | |
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 | 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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