| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.1 pts |
| Loan growth (YoY) | -10.1% | -2.6% | -7.5 pts |
| ROA | 0.63% | 0.65% | -0.0 pts |
| ROE | 4.3% | 4.4% | -0.0 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.5M | $1.3M | $1.2M | $221K | $5K | 0.63% | 2.62% | 0.00% | 428 |
| Q1 2026 | $1.5M | $1.3M | $1.2M | $219K | $2K | 0.65% | 2.65% | 0.00% | 426 |
| Q4 2025 | $1.5M | $1.3M | $1.3M | $216K | $14K | 0.93% | 2.57% | 0.00% | 426 |
| Q3 2025 | $1.5M | $1.3M | $1.2M | $213K | $10K | 0.93% | 2.62% | 0.00% | 427 |
| Q2 2025 | $1.5M | $1.3M | $1.3M | $209K | $6K | 0.86% | 2.52% | 0.00% | 426 |
| Q1 2025 | $1.5M | $1.3M | $1.2M | $206K | $3K | 0.92% | 2.48% | 0.00% | 425 |
| Q4 2024 | $1.7M | $1.5M | $1.2M | $202K | $16K | 0.95% | 2.36% | 0.00% | 461 |
| Q3 2024 | $1.6M | $1.4M | $1.4M | $199K | $11K | 0.91% | 2.45% | 0.00% | 460 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.6M |
| $1.4M |
| $1.4M |
| $195K |
| $7K |
| 0.88% |
| 2.41% |
| 0.00% |
| 458 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $946K · securities $4K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 80.6% | 40th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Scott, MO, ranked 13th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Scott, MO | 2 | $1.3M* | 0.11% | 13th |
Missouri: 356th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2