| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -2.8% | +0.9% | -3.8 pts |
| Loan growth (YoY) | -17.3% | -2.6% | -14.7 pts |
| ROA | -1.84% | 0.65% | -2.5 pts |
| ROE | -12.6% | 4.4% | -17.0 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.4M | $20.4M | $15.9M | $3.6M | $-225K | -1.84% | 4.17% | 4.65% | 2,386 |
| Q1 2026 | $25.0M | $21.0M | $16.9M | $3.8M | $45K | 0.72% | 3.91% | 4.49% | 2,403 |
| Q4 2025 | $24.4M | $20.3M | $17.4M | $3.8M | $153K | 0.63% | 4.44% | 4.14% | 2,404 |
| Q3 2025 | $24.8M | $20.5M | $18.3M | $3.9M | $225K | 1.21% | 4.43% | 1.72% | 2,423 |
| Q2 2025 | $25.2M | $21.0M | $19.2M | $3.8M | $92K | 0.73% | 4.61% | 0.75% | 2,433 |
| Q1 2025 | $24.6M | $20.6M | $19.7M | $3.7M | $57K | 0.93% | 4.53% | 0.99% | 2,435 |
| Q4 2024 | $23.1M | $19.3M | $20.0M | $3.6M | $172K | 0.74% | 4.51% | 0.74% | 2,421 |
| Q3 2024 | $23.2M | $19.3M | $20.3M | $3.6M | $95K | 0.54% | 4.42% | 0.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.84% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -12.6% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,424 |
| Q2 2024 | $23.3M | $19.0M | $20.6M | $3.5M | $42K | 0.37% | 4.29% | 0.98% | 2,381 |
Loan mix (Q2 2026): real estate $1.9M · commercial $73K · consumer $11.6M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 80.6% | 45th |
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: Scott, MO, ranked 11th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Scott, MO | 1 | $20.4M* | 1.77% | 11th |
Missouri: 315th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1