| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +1.3% | +13.6 pts |
| Share growth (YoY) | +18.0% | +0.9% | +17.0 pts |
| Loan growth (YoY) | +12.8% | -2.6% | +15.4 pts |
| ROA | 0.35% | 0.65% | -0.3 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.7M | $25.1M | $16.2M | $3.0M | $48K | 0.35% | 3.96% | 0.78% | 4,002 |
| Q1 2026 | $26.6M | $23.8M | $14.0M | $2.9M | $1K | 0.02% | 3.80% | 1.90% | 3,969 |
| Q4 2025 | $23.6M | $21.1M | $13.3M | $2.9M | $59K | 0.25% | 4.52% | 2.06% | 3,940 |
| Q3 2025 | $23.9M | $21.0M | $13.9M | $2.9M | $51K | 0.29% | 4.54% | 1.38% | 3,989 |
| Q2 2025 | $24.1M | $21.2M | $14.4M | $2.9M | $48K | 0.40% | 4.42% | 1.29% | 4,014 |
| Q1 2025 | $24.0M | $20.9M | $14.6M | $2.9M | $3K | 0.05% | 4.31% | 1.79% | 4,008 |
| Q4 2024 | $23.4M | $20.3M | $15.1M | $2.9M | $112K | 0.48% | 4.26% | 1.73% | 4,043 |
| Q3 2024 | $23.9M | $21.2M | $15.5M | $2.8M | $90K | 0.50% | 4.13% | 1.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.65% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,067 |
| Q2 2024 | $24.7M | $21.3M | $15.4M | $2.8M | $83K | 0.68% | 3.93% | 0.82% | 4,070 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $16.2M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 80.6% | 79th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kankakee, IL, ranked 16th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kankakee, IL | 1 | $25.1M* | 0.79% | 16th |
Illinois: 476th with 0.00% · Kankakee metro: 16th, 0.79% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1