Civic Central
Jefferson City, MO · Charter 62598 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$105.0MAssets
$46.9MLoans
$91.7MShares
$14.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of credit unions under $1B in assets (rank 125 of 1682).
- Widest gap: net interest margin trails 85% of credit unions under $1B in assets (rank 1435 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.28%
Rank 361 of 1,683
Net Interest Margin
3.03%
Rank 1,435 of 1,683
Efficiency Ratio
55.79%
Rank 125 of 1,682
Equity / Assets
13.84%
Rank 696 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.35% | 0.74% | 1.18% | Beats 79% | 361 / 1,683 | | |
| Return on Equity | 9.24% | 2.67% | 5.89% | 8.74% | Beats 79% | 360 / 1,681 | | |
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,435 / 1,683 | | |
| Efficiency Ratio | 55.79% | 68.91% | 78.20% | 86.93% | Beats 93% | 125 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 663 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.84% | 10.44% | 12.89% | 16.53% | Beats 59% | 696 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.84% | 10.44% | 12.89% | 16.53% | Beats 59% | 696 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.12% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,297 / 1,683 | | |
| Loans / Assets | 44.61% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,265 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |