| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -12.1% | -2.4% | -9.7 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 10.2% | 4.1% | +6.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.7M | $43.3M | $33.0M | $4.0M | $101K | 0.85% | 3.93% | 2.28% | 5,051 |
| Q4 2025 | $46.6M | $42.4M | $33.3M | $3.9M | $605K | 1.30% | 4.23% | 3.37% | 5,086 |
| Q3 2025 | $46.3M | $42.1M | $34.0M | $3.9M | $557K | 1.60% | 4.24% | 3.21% | 5,163 |
| Q2 2025 | $46.1M | $42.1M | $36.2M | $3.8M | $512K | 2.22% | 4.20% | 5.48% | 5,205 |
| Q1 2025 | $46.1M | $42.2M | $37.6M | $3.3M | $-6K | -0.05% | 3.75% | 6.66% | 5,256 |
| Q4 2024 | $45.8M | $42.0M | $38.7M | $3.5M | $-1.1M | -2.30% | 4.19% | 1.55% | 5,296 |
| Q3 2024 | $48.9M | $45.0M | $42.5M | $3.6M | $-998K | -2.72% | 3.93% | 5.70% | 5,835 |
| Q2 2024 | $52.5M | $48.5M | $44.4M | $3.5M | $-1.2M | -4.47% | 3.68% | 3.45% |
| Ratio | Kansas City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,521 |
Loan mix (Q1 2026): real estate $21.5M · commercial $4.4M · consumer $6.9M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.2% | 81.5% | 83th |
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 | Kansas City 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 | Kansas City 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 | Kansas City 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 | Kansas City 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.