| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.9% | +0.9% | -1.8 pts |
| Loan growth (YoY) | -11.3% | -2.6% | -8.7 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.4M | $41.7M | $32.1M | $4.0M | $124K | 0.53% | 4.08% | 2.57% | 5,109 |
| 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% |
| Ratio | Kansas City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,835 |
| Q2 2024 | $52.5M | $48.5M | $44.4M | $3.5M | $-1.2M | -4.47% | 3.68% | 3.45% | 5,521 |
Loan mix (Q2 2026): real estate $19.9M · commercial $3.9M · consumer $8.1M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.2% | 80.6% | 83rd |
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 |
|---|---|---|---|---|
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 | 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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Jackson, MO, ranked 49th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 2 | $27.8M* | 0.05% | 49th |
| Clay, MO | 1 | $13.9M* | 0.21% | 32nd |
Missouri: 292nd with 0.01% · Kansas City metro: 116th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3