| Metric | Show-Me Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.6% | +1.3% | +21.3 pts |
| Share growth (YoY) | +24.6% | +0.7% | +23.9 pts |
| Loan growth (YoY) | +0.3% | -2.4% | +2.7 pts |
| ROA | 1.82% | 0.60% | +1.2 pts |
| ROE | 13.8% | 4.1% | +9.7 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 3,539 |
| Q2 2024 | $34.7M | $29.8M | $20.5M | $5.0M | $285K | 1.64% | 4.58% | 0.11% |
| Ratio | Show-Me Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,552 |
Loan mix (Q1 2026): real estate $11.1M · commercial $53K · consumer $7.6M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.2% | 81.5% | 2th |
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 |
|---|---|---|---|---|
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.