| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +8.3% | +0.7% | +7.6 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.3 pts |
| ROA | 0.13% | 0.60% | -0.5 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.9M | $35.7M | $31.5M | $5.3M | $15K | 0.13% | 5.86% | 2.16% | 6,979 |
| Q4 2025 | $45.4M | $33.6M | $31.9M | $5.3M | $506K | 1.11% | 6.35% | 3.02% | 6,940 |
| Q3 2025 | $44.8M | $33.6M | $32.0M | $5.0M | $231K | 0.69% | 6.48% | 2.72% | 6,886 |
| Q2 2025 | $44.3M | $33.2M | $32.4M | $4.9M | $130K | 0.58% | 6.62% | 2.53% | 6,860 |
| Q1 2025 | $44.4M | $33.0M | $32.7M | $4.9M | $39K | 0.35% | 6.72% | 2.60% | 7,784 |
| Q4 2024 | $43.0M | $31.9M | $33.7M | $4.9M | $106K | 0.25% | 7.22% | 3.42% | 7,742 |
| Q3 2024 | $43.2M | $31.5M | $33.4M | $5.0M | $193K | 0.60% | 7.19% | 2.21% | 7,642 |
| Q2 2024 | $44.0M | $32.0M | $33.8M | $4.9M | $130K | 0.59% | 6.99% | 2.50% |
| Ratio | Holy Rosary Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,540 |
Loan mix (Q1 2026): real estate $15.9M · commercial $3.6M · consumer $11.6M · securities $9.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 81.5% | 52nd |
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 | Holy Rosary 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 | Holy Rosary 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 | Holy Rosary 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 | Holy Rosary 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 | Holy Rosary 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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Jackson, MO, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 3 | $24.9M* | 0.04% | 50th |
| Buchanan, MO | 1 | $8.3M* | 0.31% | 20th |
Missouri: 292nd with 0.01% · Kansas City metro: 127th, 0.02% · St. Joseph metro: 27th, 0.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4