| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +7.0% | +0.9% | +6.0 pts |
| Loan growth (YoY) | -4.7% | -2.6% | -2.1 pts |
| ROA | 1.55% | 0.65% | +0.9 pts |
| ROE | 10.1% | 4.4% | +5.7 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.6M | $3.9M | $2.5M | $696K | $35K | 1.55% | 3.59% | 0.00% | 870 |
| Q1 2026 | $4.3M | $3.6M | $2.2M | $668K | $9K | 0.82% | 3.47% | 0.00% | 862 |
| Q4 2025 | $4.3M | $3.6M | $2.4M | $659K | $43K | 1.00% | 3.35% | 0.00% | 866 |
| Q3 2025 | $4.2M | $3.6M | $2.5M | $669K | $54K | 1.70% | 3.92% | 0.00% | 859 |
| Q2 2025 | $4.3M | $3.6M | $2.6M | $656K | $40K | 1.85% | 3.97% | 0.00% | 859 |
| Q1 2025 | $4.2M | $3.5M | $2.6M | $636K | $19K | 1.79% | 3.79% | 0.00% | 858 |
| Q4 2024 | $4.2M | $3.6M | $2.5M | $617K | $41K | 0.96% | 3.29% | 0.00% | 862 |
| Q3 2024 | $4.2M | $3.5M | $2.6M | $626K | $50K | 1.59% | 3.77% | 0.00% | 863 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.6M |
| $3.9M |
| $2.8M |
| $610K |
| $33K |
| 1.45% |
| 3.37% |
| 0.00% |
| 862 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $545K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 80.6% | 9th |
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: Miller, MO, ranked 6th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Miller, MO | 1 | $3.9M* | 0.93% | 6th |
Missouri: 349th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1