| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -7.0% | +0.7% | -7.7 pts |
| Loan growth (YoY) | -0.9% | -2.4% | +1.4 pts |
| ROA | 1.27% | 0.60% | +0.7 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.4M | $35.4M | $22.0M | $5.7M | $132K | 1.27% | 3.36% | 0.25% | 1,759 |
| Q4 2025 | $42.4M | $36.5M | $22.2M | $5.5M | $552K | 1.30% | 3.31% | 0.06% | 1,774 |
| Q3 2025 | $42.4M | $36.6M | $22.2M | $5.4M | $434K | 1.36% | 3.33% | 0.17% | 1,783 |
| Q2 2025 | $43.3M | $37.8M | $21.8M | $5.3M | $279K | 1.29% | 3.25% | 0.35% | 1,793 |
| Q1 2025 | $43.5M | $38.1M | $22.2M | $5.1M | $78K | 0.72% | 2.74% | 0.36% | 1,790 |
| Q4 2024 | $42.4M | $37.2M | $22.3M | $5.0M | $302K | 0.71% | 2.58% | 0.38% | 1,798 |
| Q3 2024 | $41.3M | $36.1M | $21.8M | $4.9M | $218K | 0.70% | 2.63% | 0.08% | 1,797 |
| Q2 2024 | $42.6M | $37.5M | $21.9M | $4.8M | $130K | 0.61% | 2.53% | 0.01% |
| Ratio | M O Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,789 |
Loan mix (Q1 2026): real estate $12.7M · commercial $1.1M · consumer $5.7M · securities $17.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 81.5% | 18th |
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 | M O Federal 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 | M O Federal 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 | M O Federal 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 | M O Federal 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.