| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -3.4% | +0.9% | -4.3 pts |
| Loan growth (YoY) | -19.0% | -2.6% | -16.3 pts |
| ROA | -0.22% | 0.65% | -0.9 pts |
| ROE | -2.7% | 4.4% | -7.1 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.1M | $17.3M | $8.5M | $1.6M | $-21K | -0.22% | 3.98% | 2.13% | 1,712 |
| Q1 2026 | $19.4M | $17.6M | $8.6M | $1.6M | $10K | 0.20% | 3.87% | 2.90% | 1,734 |
| Q4 2025 | $18.8M | $17.1M | $9.3M | $1.6M | $8K | 0.04% | 4.24% | 2.23% | 1,755 |
| Q3 2025 | $19.1M | $17.3M | $9.9M | $1.6M | $17K | 0.12% | 4.13% | 2.01% | 1,763 |
| Q2 2025 | $19.8M | $17.9M | $10.5M | $1.6M | $17K | 0.17% | 3.88% | 2.55% | 1,787 |
| Q1 2025 | $20.2M | $18.3M | $11.2M | $1.6M | $13K | 0.26% | 3.74% | 2.25% | 1,794 |
| Q4 2024 | $21.0M | $19.1M | $11.8M | $1.6M | $-87K | -0.41% | 3.33% | 1.93% | 1,807 |
| Q3 2024 | $21.3M | $19.1M | $12.6M | $1.6M | $-87K | -0.55% | 3.21% | 1.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 0.65% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,821 |
| Q2 2024 | $21.3M | $19.2M | $13.0M | $1.6M | $-64K | -0.60% | 3.17% | 2.87% | 1,828 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.8M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 80.6% | 71st |
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 (+0 vs 2025). Biggest market: Johnson, KS, ranked 74th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Johnson, KS | 1 | $8.7M* | 0.03% | 74th |
| Jackson, MO | 1 | $8.7M* | 0.02% | 59th |
Kansas: 286th with 0.01% · Missouri: 333rd with 0.00% · Kansas City metro: 135th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2