| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +5.2% | +0.9% | +4.3 pts |
| Loan growth (YoY) | +6.5% | -2.6% | +9.1 pts |
| ROA | 1.13% | 0.65% | +0.5 pts |
| ROE | 9.0% | 4.4% | +4.7 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $90.9M | $78.9M | $70.6M | $11.3M | $512K | 1.13% | 3.96% | 0.36% | 15,004 |
| Q1 2026 | $89.2M | $77.4M | $67.5M | $11.0M | $183K | 0.82% | 3.94% | 0.10% | 14,968 |
| Q4 2025 | $85.3M | $73.8M | $66.4M | $10.8M | $1.2M | 1.45% | 4.22% | 0.45% | 14,918 |
| Q3 2025 | $84.3M | $73.1M | $67.6M | $10.5M | $962K | 1.52% | 4.25% | 0.26% | 14,892 |
| Q2 2025 | $85.9M | $75.0M | $66.3M | $10.2M | $646K | 1.50% | 4.13% | 0.07% | 14,821 |
| Q1 2025 | $83.9M | $73.4M | $65.9M | $9.9M | $371K | 1.77% | 4.18% | 0.19% | 14,739 |
| Q4 2024 | $82.6M | $72.4M | $64.1M | $9.6M | $1.1M | 1.35% | 3.81% | 0.26% | 14,684 |
| Q3 2024 | $82.5M | $72.6M | $64.1M | $9.3M | $808K | 1.31% | 3.71% | 0.17% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 14,577 |
| Q2 2024 | $84.3M | $74.3M | $64.6M | $8.9M | $482K | 1.14% | 3.49% | 0.22% | 14,460 |
Loan mix (Q2 2026): real estate $19.1M · commercial $0 · consumer $46.7M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 80.6% | 38th |
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.
4 branches in 3 counties across 2 states (-2 vs 2025). Biggest market: Greene, MO, ranked 39th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greene, MO | 2 | $39.5M* | 0.25% | 39th |
| Newton, MO | 1 | $19.7M* | 1.14% | 12th |
| Sebastian, AR | 1 | $19.7M* | 0.44% | 20th |
Missouri: 270th with 0.02% · Arkansas: 138th with 0.02% · Springfield metro: 45th, 0.20% · Fort Smith metro: 24th, 0.30% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 4