| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.5% | +4.1% | +15.4 pts |
| Share growth (YoY) | +19.0% | +3.5% | +15.4 pts |
| Loan growth (YoY) | +31.3% | +2.9% | +28.5 pts |
| ROA | 1.72% | 0.74% | +1.0 pts |
| ROE | 14.8% | 6.5% | +8.3 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142.5M | $124.8M | $113.6M | $16.6M | $1.2M | 1.72% | 4.91% | 0.18% | 21,175 |
| Q1 2026 | $142.8M | $125.1M | $110.2M | $15.9M | $541K | 1.52% | 4.68% | 0.20% | 20,804 |
| Q4 2025 | $138.1M | $120.9M | $107.7M | $15.4M | $1.8M | 1.29% | 4.72% | 0.23% | 17,735 |
| Q3 2025 | $136.4M | $120.0M | $102.9M | $13.7M | $1.4M | 1.36% | 4.67% | 0.17% | 19,585 |
| Q2 2025 | $119.2M | $104.9M | $86.5M | $13.1M | $813K | 1.36% | 4.48% | 0.31% | 16,772 |
| Q1 2025 | $114.6M | $101.2M | $86.4M | $12.6M | $348K | 1.22% | 4.57% | 0.56% | 16,513 |
| Q4 2024 | $110.7M | $97.0M | $85.4M | $12.3M | $1.5M | 1.39% | 4.82% | 0.56% | 16,314 |
| Q3 2024 | $108.9M | $96.5M | $84.8M | $11.8M | $1.3M | 1.63% | 4.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.74% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 6.5% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 16,147 |
| Q2 2024 | $108.6M | $96.0M | $79.5M | $11.3M | $805K | 1.48% | 4.61% | 0.37% | 15,794 |
Loan mix (Q2 2026): real estate $39.8M · commercial $572K · consumer $62.6M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 77.5% | 25th |
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.
8 branches in 5 counties across 1 state (+2 vs 2025). Biggest market: Butler, MO, ranked 7th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Butler, MO | 3 | $46.8M* | 2.62% | 7th |
| Cape Girardeau, MO | 2 | $31.2M* | 0.89% | 16th |
| Ripley, MO | 1 | $15.6M* | 5.84% | 4th |
| 2 more counties with Pro → | ||||
Missouri: 208th with 0.04% · Cape Girardeau metro: 17th, 0.83% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 8