| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +6.8% | +0.9% | +5.9 pts |
| Loan growth (YoY) | -1.4% | -2.6% | +1.2 pts |
| ROA | 0.38% | 0.65% | -0.3 pts |
| ROE | 5.4% | 4.4% | +1.1 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.4M | $9.7M | $7.2M | $727K | $20K | 0.38% | 2.95% | 2.54% | 1,052 |
| Q1 2026 | $10.5M | $9.8M | $7.3M | $715K | $8K | 0.32% | 2.88% | 0.56% | 1,046 |
| Q4 2025 | $9.8M | $9.1M | $7.5M | $707K | $69K | 0.71% | 3.04% | 0.62% | 938 |
| Q3 2025 | $9.5M | $8.8M | $7.6M | $694K | $56K | 0.79% | 3.10% | 0.30% | 938 |
| Q2 2025 | $9.8M | $9.1M | $7.3M | $664K | $26K | 0.53% | 2.48% | 0.48% | 947 |
| Q1 2025 | $9.3M | $8.6M | $7.1M | $664K | $26K | 1.11% | 2.85% | 0.53% | 942 |
| Q4 2024 | $9.1M | $8.2M | $7.1M | $638K | $38K | 0.42% | 2.85% | 0.80% | 941 |
| Q3 2024 | $9.1M | $8.2M | $7.0M | $627K | $27K | 0.39% | 2.71% | 1.86% | 935 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.1M | $8.5M | $6.8M | $613K | $13K | 0.28% | 2.66% | 2.03% | 937 |
Loan mix (Q2 2026): real estate $1.7M · commercial $0 · consumer $3.9M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 80.6% | 65th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cole, MO, ranked 18th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cole, MO | 1 | $9.7M* | 0.14% | 18th |
Missouri: 332nd with 0.00% · Jefferson City metro: 27th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1