| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.2% | +1.3% | -15.5 pts |
| Share growth (YoY) | -15.8% | +0.9% | -16.8 pts |
| Loan growth (YoY) | -10.8% | -2.6% | -8.1 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 6.6% | 4.4% | +2.2 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.4M | $5.8M | $3.4M | $556K | $18K | 0.58% | 4.74% | 0.18% | 1,100 |
| 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 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.3M | $6.6M | $4.4M | $699K | $-34K | -0.94% | 4.57% | 0.51% | 1,270 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 80.6% | 74th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: St. Francois, MO, ranked 8th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Francois, MO | 1 | $5.8M* | 0.33% | 8th |
Missouri: 344th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 1 · 2024 1 · 2025 1 · 2026 1