Community First
Hannibal, MO · Charter 64746 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$8.5MAssets
$6.6MLoans
$7.4MShares
$983KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets (rank 87 of 1683).
- Widest gap: return on equity trails 91% of credit unions under $1B in assets (rank 1527 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.14%
Rank 1,521 of 1,683
Net Interest Margin
5.37%
Rank 87 of 1,683
Efficiency Ratio
76.11%
Rank 732 of 1,682
Equity / Assets
11.52%
Rank 1,074 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.14% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,521 / 1,683 | | |
| Return on Equity | -1.22% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,527 / 1,681 | | |
| Net Interest Margin | 5.37% | 3.31% | 3.82% | 4.32% | Beats 95% | 87 / 1,683 | | |
| Efficiency Ratio | 76.11% | 68.91% | 78.20% | 86.93% | Beats 57% | 732 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 76% | 413 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.52% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,074 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.52% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,074 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.35% | 52.61% | 69.38% | 83.50% | 85th pctl | 254 / 1,683 | | |
| Loans / Assets | 77.90% | 44.71% | 59.18% | 70.72% | 89th pctl | 191 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |