| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.8% | +1.3% | +13.5 pts |
| Share growth (YoY) | +16.2% | +0.9% | +15.3 pts |
| Loan growth (YoY) | -2.4% | -2.6% | +0.2 pts |
| ROA | 0.28% | 0.65% | -0.4 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.9M | $12.4M | $4.9M | $1.4M | $19K | 0.28% | 3.02% | 2.90% | 1,297 |
| Q1 2026 | $13.1M | $11.6M | $4.8M | $1.4M | $17K | 0.51% | 3.31% | 0.74% | 1,302 |
| Q4 2025 | $12.5M | $11.0M | $5.0M | $1.4M | $29K | 0.23% | 3.60% | 2.67% | 1,308 |
| Q3 2025 | $12.3M | $10.8M | $4.9M | $1.4M | $25K | 0.27% | 3.62% | 2.08% | 1,308 |
| Q2 2025 | $12.1M | $10.6M | $5.0M | $1.4M | $13K | 0.22% | 3.61% | 2.37% | 1,310 |
| Q1 2025 | $12.5M | $11.0M | $4.9M | $1.4M | $3K | 0.08% | 3.43% | 1.55% | 1,309 |
| Q4 2024 | $11.8M | $10.3M | $5.3M | $1.4M | $66K | 0.56% | 3.89% | 2.18% | 1,314 |
| Q3 2024 | $11.9M | $10.4M | $5.4M | $1.4M | $59K | 0.67% | 3.83% | 1.87% | 1,319 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.4M | $10.0M | $5.3M | $1.4M | $42K | 0.73% | 3.89% | 2.21% | 1,312 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 80.6% | 52nd |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Cole, MO, ranked 21st with 0.1% of deposits.
Missouri: 342nd with 0.00% · Pennsylvania: 386th with 0.00% · Jefferson City metro: 30th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2