| Metric | A.A.E.C. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.1% | +2.1 pts |
| Share growth (YoY) | +5.6% | +3.5% | +2.0 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.2 pts |
| ROA | 0.72% | 0.74% | -0.0 pts |
| ROE | 5.5% | 6.5% | -1.0 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.9M | $102.3M | $51.2M | $15.5M | $425K | 0.72% | 2.63% | 0.02% | 4,538 |
| Q1 2026 | $118.6M | $102.7M | $50.2M | $15.2M | $171K | 0.58% | 2.55% | 0.07% | 4,513 |
| Q4 2025 | $118.0M | $102.4M | $49.0M | $15.1M | $404K | 0.34% | 2.22% | 0.06% | 4,492 |
| Q3 2025 | $117.1M | $101.5M | $47.9M | $15.2M | $566K | 0.65% | 2.28% | 0.05% | 4,396 |
| Q2 2025 | $111.9M | $96.9M | $48.3M | $15.0M | $362K | 0.65% | 2.30% | 0.05% | 4,246 |
| Q1 2025 | $110.7M | $95.9M | $48.0M | $14.8M | $128K | 0.46% | 2.18% | 0.15% | 4,330 |
| Q4 2024 | $106.9M | $92.5M | $46.9M | $14.7M | $919K | 0.86% | 2.07% | 0.02% | 4,335 |
| Q3 2024 | $98.9M | $84.4M | $46.8M | $14.9M | $1.0M | 1.36% | 2.45% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | A.A.E.C. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.74% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 6.5% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.03% |
| 4,168 |
| Q2 2024 | $98.5M | $85.0M | $47.6M | $14.6M | $694K | 1.41% | 2.39% | 0.07% | 4,158 |
Loan mix (Q2 2026): real estate $35.8M · commercial $0 · consumer $14.9M · securities $53.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 77.5% | 31st |
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 | A.A.E.C. Credit Union | 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 | A.A.E.C. Credit Union | 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 | A.A.E.C. Credit Union | 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 | A.A.E.C. Credit Union | 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 | A.A.E.C. Credit Union | 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: Cook, IL, ranked 97th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $102.3M* | 0.02% | 97th |
Illinois: 357th with 0.01% · Chicago-Naperville-Elgin metro: 156th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1