| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.2 pts |
| Loan growth (YoY) | -3.8% | -2.6% | -1.2 pts |
| ROA | 0.26% | 0.65% | -0.4 pts |
| ROE | 1.9% | 4.4% | -2.5 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.8M | $6.6M | $6.7M | $1.1M | $10K | 0.26% | 1.87% | 2.78% | 1,021 |
| Q1 2026 | $7.7M | $6.5M | $6.7M | $1.1M | $38K | 1.96% | 3.75% | 2.94% | 1,032 |
| Q4 2025 | $7.5M | $6.3M | $6.7M | $1.0M | $-90K | -1.21% | 3.79% | 3.46% | 1,028 |
| Q3 2025 | $7.4M | $6.3M | $7.0M | $1.0M | $-93K | -1.66% | 3.72% | 5.98% | 1,038 |
| Q2 2025 | $7.5M | $6.3M | $6.9M | $1.1M | $-71K | -1.90% | 3.72% | 5.33% | 1,038 |
| Q1 2025 | $7.9M | $6.7M | $6.8M | $1.1M | $-52K | -2.62% | 3.19% | 6.37% | 1,044 |
| Q4 2024 | $7.9M | $6.6M | $6.6M | $1.1M | $10K | 0.13% | 3.87% | 2.69% | 1,035 |
| Q3 2024 | $7.9M | $6.7M | $6.6M | $1.1M | $16K | 0.26% | 3.92% | 2.86% | 1,030 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lovers Lane Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 1.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.9M | $6.7M | $6.9M | $1.1M | $8K | 0.20% | 4.03% | 2.71% | 1,032 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.2M · securities $19K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 80.6% | 24th |
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 | Lovers Lane 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 | Lovers Lane 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 | Lovers Lane 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 | Lovers Lane 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 | Lovers Lane 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 (+1 vs 2025). Biggest market: Buchanan, MO, ranked 22nd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Buchanan, MO | 2 | $6.6M* | 0.25% | 22nd |
Missouri: 339th with 0.00% · St. Joseph metro: 29th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2