| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.0 pts |
| Share growth (YoY) | +10.3% | +0.9% | +9.3 pts |
| Loan growth (YoY) | -4.4% | -2.6% | -1.8 pts |
| ROA | 0.90% | 0.65% | +0.3 pts |
| ROE | 10.0% | 4.4% | +5.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.6M | $35.1M | $17.8M | $3.5M | $174K | 0.90% | 3.74% | 0.00% | 4,501 |
| Q1 2026 | $39.6M | $36.2M | $17.9M | $3.4M | $90K | 0.90% | 3.54% | 0.00% | 4,471 |
| Q4 2025 | $36.9M | $33.5M | $18.4M | $3.3M | $253K | 0.69% | 3.55% | 0.00% | 4,514 |
| Q3 2025 | $34.4M | $31.1M | $18.2M | $3.2M | $186K | 0.72% | 3.70% | 0.00% | 4,514 |
| Q2 2025 | $35.0M | $31.8M | $18.6M | $3.1M | $74K | 0.42% | 3.54% | 0.06% | 4,517 |
| Q1 2025 | $35.2M | $32.1M | $18.1M | $3.0M | $-70K | -0.80% | 3.07% | 0.00% | 4,479 |
| Q4 2024 | $32.5M | $29.3M | $18.3M | $3.1M | $351K | 1.08% | 3.62% | 0.04% | 4,430 |
| Q3 2024 | $31.3M | $28.2M | $18.4M | $3.0M | $306K | 1.30% | 3.83% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,336 |
| Q2 2024 | $31.4M | $28.3M | $16.8M | $2.9M | $153K | 0.98% | 3.79% | 0.00% | 4,281 |
Loan mix (Q2 2026): real estate $6.5M · commercial $0 · consumer $11.2M · securities $13.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 80.6% | 60th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: St. Louis, MO, ranked 68th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 1 | $17.5M* | 0.03% | 68th |
| Shelby, TN | 1 | $17.5M* | 0.04% | 58th |
Tennessee: 266th with 0.01% · Missouri: 317th with 0.01% · Memphis metro: 73rd, 0.03% · St. Louis metro: 133rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2