| Metric | K.C. Area Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.5M | $9.5M | $3.7M | $2.0M | $12K | 0.41% | 5.01% | 1.10% | 1,937 |
| Q4 2025 | $11.2M | $9.2M | $3.7M | $1.9M | $89K | 0.80% | 5.06% | 1.10% | 1,963 |
| Q3 2025 | $11.5M | $9.5M | $3.6M | $1.9M | $66K | 0.77% | 4.89% | 1.04% | 1,989 |
| Q2 2025 | $11.5M | $9.6M | $3.7M | $1.9M | $39K | 0.67% | 4.83% | 0.79% | 2,005 |
| Q1 2025 | $11.5M | $9.6M | $3.9M | $1.9M | $18K | 0.62% | 4.58% | 0.29% | 2,016 |
| Q4 2024 | $10.7M | $8.8M | $4.0M | $1.9M | $83K | 0.78% | 5.03% | 0.32% | 2,038 |
| Q3 2024 | $10.9M | $9.0M | $4.2M | $1.8M | $64K | 0.79% | 4.88% | 0.43% | 2,085 |
| Q2 2024 | $10.8M | $8.9M | $4.3M | $1.8M | $31K | 0.58% | 4.82% | 0.47% | 2,094 |
| Ratio | K.C. Area Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 81.5% | 51th |
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 | K.C. Area 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 | K.C. Area 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 | K.C. Area 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 | K.C. Area 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% |
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