| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -6.2% | +0.9% | -7.1 pts |
| Loan growth (YoY) | -7.0% | -2.6% | -4.4 pts |
| ROA | -1.86% | 0.65% | -2.5 pts |
| ROE | -7.2% | 4.4% | -11.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.7M | $13.0M | $5.3M | $4.6M | $-165K | -1.86% | 4.52% | 2.92% | 4,651 |
| Q1 2026 | $17.8M | $13.0M | $5.6M | $4.7M | $-47K | -1.06% | 4.48% | 0.79% | 4,596 |
| Q4 2025 | $18.3M | $13.5M | $6.0M | $4.7M | $-25K | -0.13% | 4.54% | 2.23% | 4,536 |
| Q3 2025 | $18.6M | $13.7M | $5.4M | $4.8M | $9K | 0.06% | 4.45% | 2.44% | 4,509 |
| Q2 2025 | $18.8M | $13.9M | $5.7M | $4.8M | $49K | 0.52% | 4.43% | 1.89% | 4,404 |
| Q1 2025 | $19.5M | $14.7M | $5.8M | $4.8M | $37K | 0.76% | 4.34% | 1.03% | 4,417 |
| Q4 2024 | $19.7M | $14.8M | $6.0M | $4.8M | $-19K | -0.10% | 4.42% | 1.17% | 4,306 |
| Q3 2024 | $19.4M | $14.5M | $5.3M | $4.8M | $-23K | -0.16% | 4.53% | 1.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.86% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,077 |
| Q2 2024 | $19.8M | $15.0M | $5.6M | $4.8M | $-32K | -0.32% | 4.50% | 1.42% | 5,092 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.9M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.2% | 80.6% | 92nd |
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 (-1 vs 2025). Biggest market: Cook, IL, ranked 129th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $13.0M* | 0.00% | 129th |
Illinois: 512th with 0.00% · Chicago-Naperville-Elgin metro: 218th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 2 · 2026 1