| Metric | Legacy Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -3.0% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -0.4% | -2.6% | +2.2 pts |
| ROA | 1.47% | 0.65% | +0.8 pts |
| ROE | 8.4% | 4.4% | +4.0 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.4M | $20.8M | $15.0M | $4.4M | $186K | 1.47% | 3.92% | 1.60% | 3,181 |
| Q1 2026 | $25.4M | $20.9M | $14.9M | $4.3M | $84K | 1.33% | 3.82% | 0.74% | 3,203 |
| Q4 2025 | $25.1M | $20.6M | $15.2M | $4.3M | $298K | 1.19% | 3.76% | 1.35% | 3,207 |
| Q3 2025 | $24.9M | $20.6M | $15.2M | $4.2M | $217K | 1.16% | 3.75% | 0.80% | 3,191 |
| Q2 2025 | $25.6M | $21.4M | $15.0M | $4.1M | $128K | 1.00% | 3.55% | 1.80% | 3,185 |
| Q1 2025 | $25.2M | $21.0M | $15.4M | $4.0M | $80K | 1.26% | 3.66% | 1.11% | 3,186 |
| Q4 2024 | $24.6M | $20.5M | $15.5M | $4.0M | $199K | 0.81% | 2.98% | 1.00% | 3,166 |
| Q3 2024 | $24.9M | $20.7M | $14.7M | $3.9M | $166K | 0.89% | 2.83% | 1.65% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Legacy Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.65% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,218 |
| Q2 2024 | $20.8M | $17.5M | $11.5M | $3.1M | $79K | 0.76% | 2.89% | 1.22% | 1,826 |
Loan mix (Q2 2026): real estate $2.0M · commercial $0 · consumer $10.8M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 80.6% | 16th |
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 | Legacy 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 | Legacy 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 | Legacy 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 | Legacy 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 | Legacy 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Newton, MO, ranked 11th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Newton, MO | 2 | $20.8M* | 1.20% | 11th |
Missouri: 313th with 0.01% · Joplin metro: 25th, 0.41% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2