| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.5 pts |
| Share growth (YoY) | -8.6% | +0.9% | -9.6 pts |
| Loan growth (YoY) | -0.8% | -2.6% | +1.9 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 2.5% | 4.4% | -1.8 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.1M | $16.3M | $8.1M | $3.8M | $48K | 0.48% | 3.11% | 2.17% | 2,085 |
| Q1 2026 | $20.5M | $16.7M | $8.1M | $3.7M | $17K | 0.34% | 3.03% | 1.68% | 2,096 |
| Q4 2025 | $20.4M | $16.7M | $8.4M | $3.7M | $89K | 0.44% | 2.98% | 1.63% | 2,259 |
| Q3 2025 | $21.2M | $17.6M | $8.5M | $3.7M | $38K | 0.24% | 2.76% | 1.71% | 2,153 |
| Q2 2025 | $21.4M | $17.8M | $8.2M | $3.6M | $14K | 0.13% | 2.63% | 2.35% | 2,252 |
| Q1 2025 | $21.3M | $17.7M | $8.4M | $3.6M | $253 | 0.00% | 2.62% | 0.96% | 2,171 |
| Q4 2024 | $20.4M | $16.8M | $8.4M | $3.6M | $31K | 0.15% | 2.72% | 2.07% | 2,187 |
| Q3 2024 | $21.6M | $18.1M | $8.4M | $3.6M | $959 | 0.01% | 2.54% | 1.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,186 |
| Q2 2024 | $21.2M | $17.7M | $8.0M | $3.6M | $-13K | -0.13% | 2.58% | 2.41% | 2,175 |
Loan mix (Q2 2026): real estate $21K · commercial $0 · consumer $7.7M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 80.6% | 54th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: St. Louis (City), MO, ranked 34th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis (City), MO | 1 | $8.1M* | 0.01% | 34th |
| Collin, TX | 1 | $8.1M* | 0.02% | 119th |
Missouri: 334th with 0.00% · Texas: 820th with 0.00% · St. Louis metro: 138th, 0.01% · Dallas-Fort Worth-Arlington metro: 269th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2