| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.5% | +1.3% | -12.8 pts |
| Share growth (YoY) | +4.6% | +0.7% | +4.0 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.2 pts |
| ROA | -38.82% | 0.60% | -39.4 pts |
| ROE | 532.3% | 4.1% | +528.2 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.6M | $2.8M | $1.3M | $-192K | $-255K | -38.82% | 3.90% | 15.24% | 933 |
| Q4 2025 | $2.9M | $2.8M | $1.6M | $109K | $-305K | -10.46% | 3.98% | 25.02% | 828 |
| Q3 2025 | $2.8M | $2.7M | $1.6M | $98K | $-325K | -15.41% | 4.37% | 20.94% | 698 |
| Q2 2025 | $2.8M | $2.6M | $1.6M | $121K | $-308K | -22.40% | 4.66% | 19.36% | 611 |
| Q1 2025 | $3.0M | $2.7M | $1.3M | $269K | $-161K | -21.66% | 4.37% | 17.83% | 553 |
| Q4 2024 | $3.2M | $2.7M | $1.3M | $477K | $-331K | -10.47% | 3.39% | 12.79% | 500 |
| Q3 2024 | $3.0M | $2.7M | $1.2M | $266K | $-541K | -24.21% | 3.35% | 9.45% | 453 |
| Q2 2024 | $2.7M | $2.4M | $809K | $316K | $-374K | -27.74% | 3.57% | 4.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -38.82% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | 532.3% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 402 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $25K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 224.7% | 81.5% | 99th |
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 2024). Biggest market: Jackson, MO, ranked 60th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 1 | $2.6M* | 0.00% | 60th |
Missouri: 343rd with 0.00% · Kansas City metro: 149th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2023 1 · 2024 1 · 2025 1