| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -1.1% | +0.9% | -2.0 pts |
| Loan growth (YoY) | +19.9% | -2.6% | +22.5 pts |
| ROA | 1.20% | 0.65% | +0.6 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.5M | $24.6M | $7.1M | $5.7M | $183K | 1.20% | 2.43% | 0.00% | 1,968 |
| Q1 2026 | $30.4M | $24.6M | $6.7M | $5.6M | $89K | 1.18% | 2.38% | 0.00% | 2,059 |
| Q4 2025 | $30.1M | $24.4M | $6.9M | $5.5M | $339K | 1.13% | 2.32% | 0.00% | 2,091 |
| Q3 2025 | $30.4M | $24.8M | $7.3M | $5.4M | $246K | 1.08% | 2.23% | 0.00% | 2,123 |
| Q2 2025 | $30.3M | $24.9M | $5.9M | $5.3M | $145K | 0.96% | 2.14% | 0.00% | 2,121 |
| Q1 2025 | $30.5M | $25.2M | $6.1M | $5.3M | $63K | 0.83% | 2.04% | 0.00% | 2,141 |
| Q4 2024 | $31.7M | $26.3M | $6.2M | $5.2M | $238K | 0.75% | 1.81% | 0.00% | 2,165 |
| Q3 2024 | $31.7M | $26.5M | $6.5M | $5.1M | $173K | 0.73% | 1.77% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,124 |
| Q2 2024 | $32.0M | $26.8M | $6.4M | $5.0M | $80K | 0.50% | 1.58% | 0.15% | 2,128 |
Loan mix (Q2 2026): real estate $426K · commercial $0 · consumer $5.6M · securities $20.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 80.6% | 7th |
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: Buchanan, MO, ranked 18th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Buchanan, MO | 1 | $24.6M* | 0.93% | 18th |
Missouri: 307th with 0.01% · St. Joseph metro: 24th, 0.71% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1