Southeast Missouri Community Credit Union
Total assets
$6.2M
▼ -19.6% YoY
Shares & deposits
$5.7M
▼ -21.0% YoY
Loans
$3.4M
▼ -11.8% YoY
Members
1,118
▼ -7.6% YoY
ROA (annualized)
0.25%
peers 0.60%
ROE (annualized)
2.89%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -19.6% | +1.3% | -20.9 pts |
| Share growth (YoY) | -20.9% | +0.7% | -21.6 pts |
| Loan growth (YoY) | -11.8% | -2.4% | -9.4 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 312 W Main St, Park Hills, MO, 63601
- NCUA charter #
- 67716
- RSSD ID
- 867294
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.2M | $5.7M | $3.4M | $542K | $4K | 0.25% | 4.60% | 0.89% | 1,118 |
| Q4 2025 | $6.5M | $5.9M | $3.5M | $538K | $-49K | -0.76% | 4.40% | 0.95% | 1,180 |
| Q3 2025 | $6.8M | $6.3M | $3.6M | $540K | $-47K | -0.92% | 4.09% | 1.02% | 1,204 |
| Q2 2025 | $7.5M | $6.9M | $3.8M | $510K | $-77K | -2.06% | 3.58% | 1.14% | 1,208 |
| Q1 2025 | $7.8M | $7.2M | $3.9M | $564K | $-46K | -2.39% | 3.05% | 1.61% | 1,210 |
| Q4 2024 | $7.3M | $6.8M | $4.0M | $611K | $-123K | -1.68% | 4.17% | 0.19% | 1,219 |
| Q3 2024 | $7.5M | $6.8M | $4.1M | $668K | $-65K | -1.17% | 4.27% | 0.70% | 1,219 |
| Q2 2024 | $7.3M | $6.6M | $4.4M | $699K | $-34K | -0.94% | 4.57% | 0.51% | 1,270 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $2.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.83% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 81.5% | 76th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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