| Metric | Show-Me Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.2% | +1.3% | +22.9 pts |
| Share growth (YoY) | +27.3% | +0.9% | +26.4 pts |
| Loan growth (YoY) | +0.2% | -2.6% | +2.8 pts |
| ROA | 1.30% | 0.65% | +0.7 pts |
| ROE | 9.9% | 4.4% | +5.5 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.7M | $38.5M | $19.2M | $5.8M | $284K | 1.30% | 3.82% | 0.68% | 2,637 |
| Q1 2026 | $42.8M | $37.5M | $19.6M | $5.6M | $195K | 1.82% | 3.76% | 0.07% | 2,646 |
| Q4 2025 | $38.9M | $33.9M | $19.3M | $5.5M | $426K | 1.10% | 4.23% | 0.27% | 3,184 |
| Q3 2025 | $36.5M | $31.3M | $19.3M | $5.5M | $461K | 1.68% | 4.60% | 1.48% | 3,164 |
| Q2 2025 | $35.2M | $30.3M | $19.1M | $5.4M | $346K | 1.96% | 4.76% | 1.97% | 3,201 |
| Q1 2025 | $34.9M | $30.1M | $19.5M | $5.2M | $181K | 2.07% | 4.62% | 1.00% | 3,074 |
| Q4 2024 | $33.5M | $28.2M | $19.9M | $5.0M | $421K | 1.25% | 5.02% | 1.02% | 2,907 |
| Q3 2024 | $33.9M | $28.8M | $20.5M | $5.1M | $395K | 1.55% | 4.70% | 1.48% |
| Ratio | Show-Me Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,539 |
| Q2 2024 | $34.7M | $29.8M | $20.5M | $5.0M | $285K | 1.64% | 4.58% | 0.11% | 3,552 |
Loan mix (Q2 2026): real estate $10.4M · commercial $51K · consumer $7.9M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 80.6% | 12th |
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 | Show-Me Credit Union | 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 | Show-Me Credit Union | 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 | Show-Me Credit Union | 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 | Show-Me Credit Union | 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 | Show-Me Credit Union | 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: Audrain, MO, ranked 6th with 5.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Audrain, MO | 1 | $38.5M* | 5.77% | 6th |
Missouri: 295th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1