| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +2.5% | +0.9% | +1.6 pts |
| Loan growth (YoY) | -22.2% | -2.6% | -19.6 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $399K | $337K | $26K | $57K | $2K | 0.91% | 2.94% | 0.00% | 331 |
| Q1 2026 | $388K | $327K | $31K | $56K | $5K | 5.21% | 17.97% | 0.00% | 332 |
| Q4 2025 | $379K | $318K | $34K | $55K | $5K | 1.19% | 3.85% | 0.00% | 328 |
| Q3 2025 | $384K | $324K | $36K | $54K | $4K | 1.26% | 4.22% | 0.00% | 336 |
| Q2 2025 | $387K | $329K | $34K | $54K | $4K | 2.04% | 4.50% | 7.40% | 335 |
| Q1 2025 | $371K | $318K | $36K | $53K | $2K | 2.17% | 4.80% | 0.00% | 335 |
| Q4 2024 | $399K | $345K | $42K | $51K | $6K | 1.43% | 3.16% | 4.16% | 348 |
| Q3 2024 | $413K | $363K | $40K | $49K | $3K | 1.03% | 2.70% | 0.00% | 323 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $414K |
| $360K |
| $34K |
| $45K |
| $-593 |
| -0.29% |
| 1.96% |
| 0.00% |
| 361 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $26K · securities $2K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 80.6% | 21st |
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 (City), MO, ranked 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis (City), MO | 1 | $337K* | 0.00% | 35th |
Missouri: 362nd with 0.00% · St. Louis metro: 147th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1