| Metric | Your Best Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.6% | +1.3% | -9.9 pts |
| Share growth (YoY) | -9.6% | +0.9% | -10.5 pts |
| Loan growth (YoY) | -2.0% | -2.6% | +0.6 pts |
| ROA | -0.51% | 0.65% | -1.2 pts |
| ROE | -3.3% | 4.4% | -7.7 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.0M | $13.5M | $12.1M | $2.4M | $-41K | -0.51% | 4.80% | 0.32% | 1,741 |
| Q1 2026 | $16.3M | $13.9M | $12.3M | $2.4M | $-70K | -1.72% | 4.64% | 0.00% | 1,745 |
| Q4 2025 | $15.9M | $13.4M | $12.8M | $2.5M | $23K | 0.14% | 4.56% | 0.00% | 1,748 |
| Q3 2025 | $16.1M | $13.6M | $12.6M | $2.5M | $4K | 0.03% | 4.43% | 0.03% | 1,748 |
| Q2 2025 | $17.5M | $15.0M | $12.4M | $2.5M | $50K | 0.57% | 4.14% | 0.00% | 1,751 |
| Q1 2025 | $17.8M | $15.3M | $12.9M | $2.5M | $25K | 0.56% | 3.96% | 0.04% | 1,759 |
| Q4 2024 | $17.3M | $14.8M | $13.2M | $2.5M | $38K | 0.22% | 3.92% | 0.00% | 1,769 |
| Q3 2024 | $16.9M | $14.5M | $13.2M | $2.4M | $-4K | -0.03% | 3.98% | 0.00% |
| Ratio | Your Best Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.51% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 4.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,779 |
| Q2 2024 | $17.2M | $14.9M | $13.5M | $2.4M | $-40K | -0.46% | 3.83% | 0.13% | 1,783 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $11.2M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 80.6% | 36th |
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 | Your Best 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 | Your Best 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 | Your Best 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 | Your Best 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 | Your Best 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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Cole, MO, ranked 19th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cole, MO | 1 | $6.8M* | 0.10% | 19th |
| Davidson, TN | 1 | $6.8M* | 0.01% | 53rd |
Missouri: 338th with 0.00% · Tennessee: 290th with 0.00% · Jefferson City metro: 28th, 0.08% · Nashville-Davidson--Murfreesboro--Franklin metro: 92nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2