Cape Girardeau, MO · Charter 64621
NCUA · 2 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
100
Profitability
65
Liquidity
56
Efficiency
22
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cape Girardeau, MO · Charter 64621
NCUA · 2 branches
Q2 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.47% | -0.64% | 0.56% | 0.61% | 0.64% | 0.56% | 0.71% | +15 bps | |
| Return on Equity | 10.55% | 6.15% | -8.48% | 7.19% | 7.61% | 7.97% | 7.45% | 9.17% | +198 bps | |
| Net Interest Margin | 4.02% | 4.17% | 4.29% | 4.46% | 4.60% | 4.54% | 4.22% | 4.39% | -7 bps | |
| Efficiency Ratio | 82.44% | 87.85% | 86.27% | 83.17% | 84.41% | 84.72% | 90.40% | 86.64% | +347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.66% | 0.72% | -3.36% | -5.50% | -1.94% | 4.13% | 9.32% | 9.70% | +1,520 bps | |
| Loan Growth (YoY) | 32.03% | 27.04% | 31.63% | 24.56% | 18.98% | 19.89% | 12.45% | 9.93% | -1,463 bps | |
| Share Growth (YoY) | 1.41% | 0.25% | -4.42% | -6.52% | -2.94% | 4.10% | 9.44% | 9.12% | +1,564 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.12% | 0.11% | 0.10% | 0.01% | 0.22% | 0.08% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.11% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.60% | 7.52% | 7.84% | 8.07% | 8.05% | 7.54% | 7.78% | -5 bps | |
| Net Worth / Assets | 7.43% | 7.60% | 7.52% | 7.84% | 8.07% | 8.05% | 7.54% | 7.78% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.88% | 72.67% | 75.16% | 80.26% | 83.20% | 83.69% | 77.22% | 80.85% | +59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cape Girardeau, MO · Charter 64621 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 2 branches
Q2 2025
Return on Assets
0.71%
Rank 902 of 1,659
Net Interest Margin
4.39%
Rank 381 of 1,658
Efficiency Ratio
86.81%
Rank 1,285 of 1,656
Equity / Assets
7.78%
Rank 1,599 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.35% | 0.78% | 1.25% | Beats 46% | 902 / 1,659 | ||
| Return on Equity | 9.11% | 2.75% | 6.06% | 9.41% | Beats 73% | 449 / 1,657 | ||
| Net Interest Margin | 4.39% | 3.20% | 3.76% | 4.33% | Beats 77% | 381 / 1,658 | ||
| Efficiency Ratio | 86.81% | 67.69% | 77.34% | 85.79% | Beats 22% | 1,285 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.65% | 1.35% | Beats 100% | 140 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.78% | 10.20% | 12.57% | 16.16% | Beats 4% | 1,600 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.78% | 10.20% | 12.57% | 16.15% | Beats 4% | 1,599 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.85% | 54.91% | 71.55% | 84.72% | 68th pctl | 525 / 1,658 | ||
| Loans / Assets | 73.90% | 46.17% | 60.56% | 71.91% | 80th pctl | 333 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||