| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +1.3% | +10.9 pts |
| Share growth (YoY) | +13.0% | +0.9% | +12.0 pts |
| Loan growth (YoY) | +5.4% | -2.6% | +8.0 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 5.9% | 4.4% | +1.6 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.5M | $27.4M | $20.5M | $3.0M | $88K | 0.58% | 2.55% | 1.33% | 1,758 |
| Q1 2026 | $30.1M | $27.0M | $20.1M | $2.9M | $45K | 0.60% | 2.36% | 0.79% | 1,758 |
| Q4 2025 | $27.9M | $24.9M | $19.9M | $2.9M | $147K | 0.53% | 2.21% | 0.76% | 1,742 |
| Q3 2025 | $27.4M | $24.5M | $20.0M | $2.9M | $125K | 0.61% | 2.22% | 0.73% | 1,728 |
| Q2 2025 | $27.2M | $24.3M | $19.5M | $2.8M | $84K | 0.62% | 2.20% | 0.46% | 1,719 |
| Q1 2025 | $25.9M | $23.0M | $19.1M | $2.8M | $42K | 0.65% | 2.30% | 0.27% | 1,687 |
| Q4 2024 | $23.4M | $20.6M | $18.8M | $2.7M | $162K | 0.69% | 2.76% | 0.74% | 1,652 |
| Q3 2024 | $22.6M | $19.7M | $18.9M | $2.7M | $136K | 0.80% | 2.93% | 0.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,651 |
| Q2 2024 | $22.0M | $19.3M | $18.2M | $2.7M | $83K | 0.75% | 2.97% | 0.64% | 1,625 |
Loan mix (Q2 2026): real estate $1.5M · commercial $0 · consumer $16.3M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 80.6% | 30th |
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 | 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% |
| Ratio | Value | 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 | 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Jefferson, MO, ranked 29th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, MO | 1 | $27.4M* | 0.58% | 29th |
Missouri: 303rd with 0.01% · St. Louis metro: 123rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1