| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +5.2% | +0.9% | +4.2 pts |
| Loan growth (YoY) | +5.8% | -2.6% | +8.4 pts |
| ROA | -0.04% | 0.65% | -0.7 pts |
| ROE | -0.6% | 4.4% | -5.0 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.1M | $18.8M | $17.6M | $1.3M | $-4K | -0.04% | 0.79% | 0.01% | 525 |
| Q1 2026 | $19.8M | $18.5M | $16.4M | $1.3M | $-5K | -0.09% | 0.78% | 0.16% | 527 |
| Q4 2025 | $19.3M | $17.9M | $16.5M | $1.3M | $-70K | -0.36% | 0.48% | 0.02% | 519 |
| Q3 2025 | $19.4M | $18.1M | $16.2M | $1.3M | $-59K | -0.41% | 0.42% | 0.03% | 518 |
| Q2 2025 | $19.2M | $17.9M | $16.6M | $1.3M | $-42K | -0.44% | 0.39% | 0.12% | 519 |
| Q1 2025 | $19.4M | $17.9M | $17.2M | $1.4M | $-26K | -0.54% | 0.32% | 0.12% | 522 |
| Q4 2024 | $19.4M | $18.0M | $16.9M | $1.4M | $-120K | -0.62% | 0.23% | 0.33% | 522 |
| Q3 2024 | $19.1M | $17.4M | $17.1M | $1.4M | $-94K | -0.66% | 0.24% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 521 |
| Q2 2024 | $19.9M | $18.4M | $17.5M | $1.4M | $-63K | -0.64% | 0.22% | 0.03% | 518 |
Loan mix (Q2 2026): real estate $15.2M · commercial $0 · consumer $2.0M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.8% | 80.6% | 90th |
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. Louis, MO, ranked 66th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 1 | $18.8M* | 0.03% | 66th |
Missouri: 316th with 0.01% · St. Louis metro: 131st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1