| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.1M | $13.0M | $8.6M | $2.8M | $48K | 1.19% | 3.60% | 0.04% | 1,734 |
| Q4 2025 | $15.9M | $13.1M | $8.7M | $2.7M | $171K | 1.08% | 3.43% | 0.04% | 1,747 |
| Q3 2025 | $15.7M | $13.0M | $8.9M | $2.7M | $121K | 1.03% | 3.42% | 0.04% | 1,733 |
| Q2 2025 | $16.1M | $13.4M | $8.9M | $2.6M | $76K | 0.95% | 3.28% | 0.07% | 1,737 |
| Q1 2025 | $16.3M | $13.7M | $8.8M | $2.6M | $40K | 0.98% | 3.16% | 0.01% | 1,735 |
| Q4 2024 | $15.8M | $13.2M | $8.6M | $2.6M | $108K | 0.68% | 2.96% | 0.01% | 1,740 |
| Q3 2024 | $15.8M | $13.3M | $9.0M | $2.5M | $80K | 0.67% | 2.87% | 0.05% | 1,733 |
| Q2 2024 | $15.7M | $13.2M | $9.1M | $2.5M | $49K | 0.63% | 2.76% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,730 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $5.1M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 81.5% | 19th |
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 2024). Biggest market: St. Louis, MO, ranked 68th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 1 | $13.4M* | 0.03% | 68th |
Missouri: 319th with 0.00% · St. Louis metro: 134th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1