| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +5.1% | -6.2 pts |
| Share growth (YoY) | +3.6% | +4.9% | -1.3 pts |
| Loan growth (YoY) | +2.8% | +5.4% | -2.7 pts |
| ROA | 0.48% | 0.71% | -0.2 pts |
| ROE | 3.7% | 6.3% | -2.5 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.01B | $867.5M | $855.8M | $130.3M | $1.2M | 0.48% | 3.89% | 0.42% | 64,144 |
| Q4 2025 | $1.01B | $842.8M | $852.6M | $129.1M | $14.9M | 1.48% | 3.62% | 0.50% | 63,868 |
| Q3 2025 | $1.01B | $833.2M | $852.1M | $127.3M | $12.2M | 1.61% | 3.55% | 0.45% | 64,054 |
| Q2 2025 | $1.03B | $845.8M | $846.6M | $121.7M | $6.5M | 1.26% | 3.38% | 0.50% | 63,772 |
| Q1 2025 | $1.02B | $837.7M | $832.9M | $116.0M | $844K | 0.33% | 3.32% | 0.42% | 63,364 |
| Q4 2024 | $1.00B | $813.2M | $832.4M | $115.2M | $7.8M | 0.77% | 2.96% | 0.58% | 63,200 |
| Q3 2024 | $987.5M | $800.6M | $824.9M | $113.6M | $5.1M | 0.69% | 2.93% | 0.55% | 63,545 |
| Q2 2024 | $979.2M | $802.7M | $818.6M | $111.1M | $2.7M | 0.54% | 2.88% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.71% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.3% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.51% |
| 63,377 |
Loan mix (Q1 2026): real estate $265.9M · commercial $118.4M · consumer $456.5M · securities $32.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 73.0% | 80th |
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.
10 branches in 4 counties across 2 states (+0 vs 2024). Biggest market: Madison, IL, ranked 5th with 6.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, IL | 7 | $592.1M* | 6.81% | 5th |
| Jackson, MO | 1 | $84.6M* | 0.15% | 30th |
| Macon, IL | 1 | $84.6M* | 2.74% | 12th |
| 1 more county with Pro → | ||||
Illinois: 89th with 0.10% · Missouri: 232nd with 0.03% · St. Louis metro: 43rd, 0.46% · Decatur metro: 12th, 2.74% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 10 · 2024 10 · 2025 10