| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +6.6% | +0.9% | +5.6 pts |
| Loan growth (YoY) | -5.0% | -2.6% | -2.4 pts |
| ROA | -3.32% | 0.65% | -4.0 pts |
| ROE | -27.0% | 4.4% | -31.4 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.8M | $6.8M | $4.6M | $956K | $-129K | -3.32% | 4.77% | 0.00% | 886 |
| Q1 2026 | $7.8M | $6.8M | $4.7M | $1.0M | $-85K | -4.35% | 4.77% | 0.28% | 886 |
| Q4 2025 | $7.3M | $6.2M | $4.8M | $1.1M | $47K | 0.65% | 5.38% | 1.58% | 883 |
| Q3 2025 | $7.4M | $6.3M | $4.8M | $1.1M | $28K | 0.52% | 5.35% | 0.00% | 871 |
| Q2 2025 | $7.7M | $6.4M | $4.9M | $1.1M | $44K | 1.12% | 5.07% | 0.01% | 861 |
| Q1 2025 | $7.5M | $6.4M | $4.3M | $1.1M | $13K | 0.71% | 5.16% | 0.00% | 842 |
| Q4 2024 | $7.2M | $6.1M | $4.1M | $1.0M | $-171K | -2.37% | 5.78% | 0.03% | 828 |
| Q3 2024 | $7.4M | $6.3M | $4.0M | $1.1M | $-157K | -2.84% | 5.64% | 0.46% | 809 |
| Ratio | Msd Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.32% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -27.0% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.2M | $6.1M | $3.8M | $1.0M | $-190K | -5.30% | 5.80% | 0.86% | 787 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 80.6% | 62nd |
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 | Msd 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 | Msd Federal 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 | Msd 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 | Msd 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 | Msd 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Jefferson, KY, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, KY | 1 | $6.8M* | 0.02% | 45th |
Kentucky: 212th with 0.00% · Louisville/Jefferson County metro: 67th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1