| Metric | Fedco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +7.0% | +0.9% | +6.1 pts |
| Loan growth (YoY) | +10.8% | -2.6% | +13.4 pts |
| ROA | 0.12% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.1M | $6.4M | $2.0M | $776K | $4K | 0.12% | 0.49% | 0.00% | 398 |
| Q1 2026 | $7.0M | $6.2M | $2.0M | $773K | $1K | 0.06% | 0.47% | 0.00% | 400 |
| Q4 2025 | $6.7M | $5.9M | $2.0M | $772K | $44K | 0.66% | 0.93% | 0.10% | 411 |
| Q3 2025 | $6.6M | $5.9M | $1.8M | $767K | $40K | 0.80% | 1.05% | 0.00% | 411 |
| Q2 2025 | $6.7M | $6.0M | $1.8M | $746K | $18K | 0.54% | 0.81% | 0.00% | 398 |
| Q1 2025 | $6.6M | $5.9M | $1.8M | $729K | $1K | 0.07% | 0.39% | 0.00% | 394 |
| Q4 2024 | $6.3M | $5.5M | $1.8M | $728K | $49K | 0.78% | 1.09% | 0.00% | 398 |
| Q3 2024 | $6.3M | $5.6M | $1.8M | $723K | $44K | 0.93% | 1.26% | 0.00% | 395 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Fedco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $6.3M |
| $5.6M |
| $1.8M |
| $707K |
| $28K |
| 0.89% |
| 1.27% |
| 0.00% |
| 392 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 80.6% | 17th |
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 | Fedco 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% |
| Ratio | Fedco Credit Union | 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 | Fedco 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% |
| Ratio | Fedco 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% |
| Ratio | Fedco 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cole, MO, ranked 20th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cole, MO | 2 | $6.4M* | 0.09% | 20th |
Missouri: 341st with 0.00% · Jefferson City metro: 29th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2