| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.5% | +4.1% | +18.4 pts |
| Share growth (YoY) | +16.7% | +3.5% | +13.1 pts |
| Loan growth (YoY) | +21.5% | +2.9% | +18.6 pts |
| ROA | 1.28% | 0.74% | +0.5 pts |
| ROE | 15.2% | 6.5% | +8.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $136.7M | $117.1M | $115.3M | $11.5M | $878K | 1.28% | 4.10% | 1.14% | 11,004 |
| Q1 2026 | $129.1M | $114.1M | $107.9M | $11.0M | $366K | 1.13% | 4.19% | 0.16% | 10,772 |
| Q4 2025 | $120.5M | $104.9M | $102.4M | $10.8M | $1.9M | 1.60% | 4.11% | 0.26% | 10,689 |
| Q3 2025 | $114.7M | $101.8M | $98.4M | $10.2M | $1.4M | 1.60% | 4.25% | 0.20% | 10,201 |
| Q2 2025 | $111.6M | $100.3M | $94.9M | $9.6M | $761K | 1.36% | 4.31% | 0.70% | 10,223 |
| Q1 2025 | $109.4M | $98.8M | $91.9M | $9.2M | $356K | 1.30% | 4.19% | 0.68% | 9,886 |
| Q4 2024 | $104.5M | $94.1M | $87.9M | $9.0M | $1.3M | 1.20% | 3.85% | 1.05% | 9,828 |
| Q3 2024 | $105.2M | $90.9M | $88.0M | $8.6M | $845K | 1.07% | 3.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.74% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 6.5% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.90% |
| 9,778 |
| Q2 2024 | $99.1M | $89.2M | $83.4M | $8.2M | $488K | 0.98% | 3.85% | 0.46% | 9,578 |
Loan mix (Q2 2026): real estate $82.2M · commercial $13.6M · consumer $16.9M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 77.5% | 36th |
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.
3 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Crawford, MO, ranked 5th with 7.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, MO | 1 | $39.0M* | 7.45% | 5th |
| Dent, MO | 1 | $39.0M* | 11.34% | 4th |
| Phelps, MO | 1 | $39.0M* | 2.57% | 9th |
Missouri: 214th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 3