| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.7% | +0.9% | -2.6 pts |
| Loan growth (YoY) | -2.6% | -2.6% | +0.0 pts |
| ROA | 0.39% | 0.65% | -0.3 pts |
| ROE | 1.4% | 4.4% | -3.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.5M | $5.9M | $6.7M | $2.5M | $17K | 0.39% | 7.76% | 0.65% | 1,598 |
| Q1 2026 | $8.5M | $6.0M | $6.7M | $2.5M | $14K | 0.65% | 7.65% | 0.39% | 1,578 |
| Q4 2025 | $8.0M | $5.4M | $7.0M | $2.5M | $105K | 1.31% | 8.19% | 1.71% | 1,579 |
| Q3 2025 | $8.1M | $5.5M | $6.8M | $2.4M | $72K | 1.19% | 7.99% | 0.68% | 1,583 |
| Q2 2025 | $8.6M | $6.0M | $6.9M | $2.4M | $46K | 1.06% | 7.37% | 0.65% | 1,640 |
| Q1 2025 | $7.6M | $5.1M | $6.9M | $2.4M | $19K | 0.98% | 8.21% | 0.49% | 1,488 |
| Q4 2024 | $7.8M | $5.2M | $6.7M | $2.4M | $121K | 1.56% | 7.58% | 0.80% | 1,511 |
| Q3 2024 | $7.4M | $5.0M | $6.6M | $2.3M | $100K | 1.80% | 7.78% | 0.29% | 1,497 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.2M | $4.9M | $6.6M | $2.3M | $64K | 1.77% | 7.71% | 3.37% | 1,512 |
Loan mix (Q2 2026): real estate $853K · commercial $0 · consumer $5.7M · securities $26K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.7% | 80.6% | 82nd |
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 2025). Biggest market: Jackson, MO, ranked 60th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 1 | $5.9M* | 0.01% | 60th |
Missouri: 343rd with 0.00% · Kansas City metro: 150th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1