| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.3% | +0.9% | +0.3 pts |
| Loan growth (YoY) | -9.1% | -2.6% | -6.5 pts |
| ROA | 0.50% | 0.65% | -0.1 pts |
| ROE | 5.8% | 4.4% | +1.4 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.1M | $54.6M | $29.1M | $5.2M | $151K | 0.50% | 3.95% | 0.83% | 6,992 |
| Q1 2026 | $59.6M | $54.2M | $29.0M | $5.1M | $74K | 0.49% | 3.94% | 1.10% | 7,039 |
| Q4 2025 | $59.6M | $54.3M | $29.1M | $5.1M | $335K | 0.56% | 4.03% | 1.14% | 7,071 |
| Q3 2025 | $60.3M | $55.0M | $30.5M | $5.0M | $251K | 0.55% | 3.98% | 0.73% | 7,131 |
| Q2 2025 | $59.0M | $53.9M | $32.0M | $4.9M | $132K | 0.45% | 4.02% | 0.94% | 7,192 |
| Q1 2025 | $59.6M | $54.6M | $33.1M | $4.8M | $55K | 0.37% | 3.92% | 0.89% | 7,244 |
| Q4 2024 | $58.5M | $53.5M | $34.9M | $4.8M | $119K | 0.20% | 3.66% | 0.67% | 7,355 |
| Q3 2024 | $59.1M | $54.1M | $36.5M | $4.8M | $41K | 0.09% | 3.54% | 0.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,455 |
| Q2 2024 | $60.5M | $55.7M | $35.4M | $4.7M | $3K | 0.01% | 3.39% | 1.40% | 7,510 |
Loan mix (Q2 2026): real estate $5.1M · commercial $0 · consumer $22.8M · securities $21.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.5% | 80.6% | 62nd |
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 1 county across 1 state (+0 vs 2025). Biggest market: Jackson, MO, ranked 44th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 2 | $54.6M* | 0.10% | 44th |
Missouri: 277th with 0.02% · Kansas City metro: 109th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2