| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.1% | -6.3 pts |
| Share growth (YoY) | +0.6% | +3.5% | -3.0 pts |
| Loan growth (YoY) | -3.9% | +2.9% | -6.7 pts |
| ROA | 0.15% | 0.74% | -0.6 pts |
| ROE | 1.6% | 6.5% | -4.8 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $123.4M | $110.9M | $80.0M | $11.6M | $95K | 0.15% | 3.06% | 1.41% | 5,748 |
| Q1 2026 | $124.2M | $111.8M | $81.2M | $11.6M | $72K | 0.23% | 3.00% | 1.03% | 5,709 |
| Q4 2025 | $126.7M | $112.1M | $82.4M | $11.5M | $357K | 0.28% | 2.83% | 1.18% | 5,760 |
| Q3 2025 | $122.6M | $108.4M | $83.2M | $11.6M | $409K | 0.44% | 2.89% | 0.97% | 5,742 |
| Q2 2025 | $126.2M | $110.3M | $83.2M | $11.4M | $243K | 0.38% | 2.80% | 1.12% | 5,733 |
| Q1 2025 | $130.9M | $114.4M | $83.5M | $11.3M | $138K | 0.42% | 2.65% | 0.95% | 5,691 |
| Q4 2024 | $125.6M | $108.8M | $85.4M | $11.1M | $14K | 0.01% | 2.45% | 1.01% | 5,697 |
| Q3 2024 | $123.1M | $106.2M | $87.8M | $11.1M | $-38K | -0.04% | 2.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.74% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 6.5% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 5,670 |
| Q2 2024 | $124.2M | $107.7M | $88.5M | $11.1M | $-95K | -0.15% | 2.41% | 0.95% | 5,663 |
Loan mix (Q2 2026): real estate $64.5M · commercial $0 · consumer $14.7M · securities $22.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 77.5% | 92nd |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: St. Louis (City), MO, ranked 26th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis (City), MO | 1 | $55.5M* | 0.10% | 26th |
| District of Columbia, DC | 1 | $55.5M* | 0.08% | 48th |
District of Columbia: 48th with 0.08% · Missouri: 275th with 0.02% · St. Louis metro: 110th, 0.04% · Washington-Arlington-Alexandria metro: 116th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 3 · 2025 2 · 2026 2