Mcpherson Co-Op Credit Union
Total assets
$44.9M
▲ +1.9% YoY
Shares & deposits
$40.7M
▲ +1.1% YoY
Loans
$37.9M
▲ +4.1% YoY
Members
3,141
▲ +0.1% YoY
ROA (annualized)
0.88%
peers 0.60%
ROE (annualized)
9.54%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | +4.1% | -2.4% | +6.4 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 9.5% | 4.1% | +5.4 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
Profile
- Established
- 1946
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- P. O. 904, Mcpherson, KS, 67460
- NCUA charter #
- 65371
- RSSD ID
- 216191
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.9M | $40.7M | $37.9M | $4.2M | $99K | 0.88% | 4.67% | 0.00% | 3,141 |
| Q4 2025 | $44.6M | $40.5M | $38.3M | $4.1M | $559K | 1.25% | 4.41% | 0.02% | 3,145 |
| Q3 2025 | $43.1M | $39.4M | $36.7M | $4.0M | $509K | 1.58% | 4.42% | 0.00% | 3,139 |
| Q2 2025 | $43.2M | $39.2M | $37.0M | $3.9M | $405K | 1.88% | 4.25% | 0.00% | 3,142 |
| Q1 2025 | $44.1M | $40.2M | $36.4M | $3.8M | $250K | 2.27% | 3.91% | 0.00% | 3,137 |
| Q4 2024 | $42.7M | $39.1M | $37.0M | $3.5M | $178K | 0.42% | 4.00% | 0.00% | 3,132 |
| Q3 2024 | $42.6M | $39.0M | $36.9M | $3.5M | $187K | 0.59% | 3.94% | 0.00% | 3,141 |
| Q2 2024 | $43.6M | $40.0M | $37.7M | $3.5M | $141K | 0.65% | 3.75% | 0.11% | 3,181 |
Loan mix (Q1 2026): real estate $21.5M · commercial $0 · consumer $14.0M · securities $230K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 81.5% | — | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Mid-Kansas Credit UnionMoundridge, KS · $83.7M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
- Bay Cities Credit UnionHayward, CA · $78.8M
- Castparts Employees Federal Credit UnionPortland, OR · $78.9M
- Enbright Credit UnionNashville, TN · $78.9M
Selling to Mcpherson Co-Op Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.