| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -13.9% | -2.4% | -11.6 pts |
| ROA | 0.92% | 0.60% | +0.3 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.6M | $14.1M | $4.5M | $2.5M | $38K | 0.92% | 2.69% | 0.00% | 1,870 |
| Q4 2025 | $16.1M | $13.6M | $4.6M | $2.5M | $176K | 1.10% | 2.94% | 0.29% | 1,883 |
| Q3 2025 | $16.4M | $13.9M | $5.0M | $2.4M | $137K | 1.11% | 2.90% | 0.67% | 1,876 |
| Q2 2025 | $16.5M | $14.1M | $4.9M | $2.4M | $82K | 1.00% | 2.82% | 1.15% | 1,880 |
| Q1 2025 | $16.1M | $13.7M | $5.2M | $2.4M | $55K | 1.38% | 2.89% | 0.47% | 1,885 |
| Q4 2024 | $15.9M | $13.5M | $5.5M | $2.3M | $170K | 1.07% | 2.67% | 0.27% | 1,894 |
| Q3 2024 | $16.4M | $14.2M | $5.6M | $2.2M | $101K | 0.82% | 2.54% | 0.00% | 1,899 |
| Q2 2024 | $16.4M | $14.2M | $5.4M | $2.2M | $69K | 0.85% | 2.34% | 0.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,885 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.3M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 81.5% | 11th |
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: Jackson, MO, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 1 | $14.1M* | 0.02% | 55th |
Missouri: 317th with 0.00% · Kansas City metro: 137th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1