| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.4% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.1 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.0M | $14.6M | $5.0M | $2.4M | $31K | 0.73% | 4.10% | 0.30% | 1,983 |
| Q4 2025 | $16.6M | $14.2M | $5.3M | $2.3M | $133K | 0.80% | 4.58% | 0.72% | 1,991 |
| Q3 2025 | $16.9M | $14.5M | $5.2M | $2.3M | $110K | 0.87% | 4.56% | 0.85% | 2,005 |
| Q2 2025 | $16.9M | $14.6M | $5.2M | $2.3M | $90K | 1.07% | 4.58% | 0.70% | 1,982 |
| Q1 2025 | $17.2M | $14.8M | $5.3M | $2.3M | $46K | 1.06% | 4.54% | 0.97% | 2,082 |
| Q4 2024 | $17.5M | $15.3M | $5.6M | $2.2M | $239K | 1.37% | 4.36% | 0.95% | 1,951 |
| Q3 2024 | $17.8M | $15.6M | $5.9M | $2.1M | $168K | 1.26% | 4.17% | 0.26% | 1,967 |
| Q2 2024 | $17.1M | $15.0M | $5.9M | $2.1M | $89K | 1.04% | 4.11% | 0.38% |
| Ratio | Stationery Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,988 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.6M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 81.5% | 63rd |
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 | Stationery Credit Union | 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 | Stationery Credit Union | 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 | Stationery Credit Union | 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 | Stationery Credit Union | 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 | Stationery Credit Union | 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 2024). Biggest market: Buchanan, MO, ranked 19th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Buchanan, MO | 1 | $14.6M* | 0.55% | 19th |
Missouri: 316th with 0.01% · St. Joseph metro: 26th, 0.42% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1