| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +0.7% | +0.9% | -0.3 pts |
| Loan growth (YoY) | +2.0% | -2.6% | +4.6 pts |
| ROA | 0.25% | 0.65% | -0.4 pts |
| ROE | 1.9% | 4.4% | -2.5 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $1.6M | $1.5M | $239K | $2K | 0.25% | 4.38% | 0.00% | 328 |
| Q1 2026 | $1.8M | $1.6M | $1.5M | $238K | $1K | 0.32% | 4.38% | 0.00% | 336 |
| Q4 2025 | $1.8M | $1.5M | $1.5M | $237K | $10K | 0.54% | 4.55% | 0.00% | 336 |
| Q3 2025 | $1.8M | $1.6M | $1.5M | $231K | $3K | 0.23% | 4.48% | 1.54% | 347 |
| Q2 2025 | $1.8M | $1.5M | $1.5M | $228K | $768 | 0.09% | 4.51% | 1.90% | 348 |
| Q1 2025 | $1.8M | $1.5M | $1.5M | $230K | $3K | 0.65% | 4.60% | 0.00% | 349 |
| Q4 2024 | $1.7M | $1.5M | $1.4M | $228K | $10K | 0.59% | 4.67% | 0.00% | 349 |
| Q3 2024 | $1.8M | $1.6M | $1.4M | $225K | $7K | 0.53% | 4.46% | 0.00% | 354 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.8M |
| $1.6M |
| $1.5M |
| $222K |
| $4K |
| 0.48% |
| 4.37% |
| 0.00% |
| 351 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $8K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 80.6% | 80th |
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: Marion, MO, ranked 13th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, MO | 1 | $1.6M* | 0.16% | 13th |
Missouri: 354th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1