| Metric | Abri Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.1% | -1.6 pts |
| Share growth (YoY) | +1.3% | +3.5% | -2.3 pts |
| Loan growth (YoY) | -7.2% | +2.9% | -10.0 pts |
| ROA | 0.28% | 0.74% | -0.5 pts |
| ROE | 2.4% | 6.5% | -4.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $380.8M | $336.7M | $230.6M | $44.8M | $538K | 0.28% | 3.81% | 0.88% | 27,813 |
| Q1 2026 | $387.1M | $343.5M | $234.7M | $44.4M | $123K | 0.13% | 3.66% | 0.92% | 27,770 |
| Q4 2025 | $375.7M | $332.4M | $242.1M | $44.2M | $510K | 0.14% | 3.73% | 0.87% | 27,630 |
| Q3 2025 | $367.8M | $324.3M | $246.0M | $45.0M | $1.0M | 0.37% | 3.80% | 0.96% | 28,410 |
| Q2 2025 | $371.3M | $332.5M | $248.4M | $44.7M | $652K | 0.35% | 3.75% | 0.59% | 27,862 |
| Q1 2025 | $387.3M | $343.4M | $245.0M | $44.1M | $85K | 0.09% | 3.50% | 0.34% | 27,862 |
| Q4 2024 | $372.3M | $329.5M | $247.9M | $44.0M | $1.3M | 0.34% | 3.41% | 0.50% | 27,750 |
| Q3 2024 | $368.3M | $325.3M | $248.3M | $44.2M | $1.1M | 0.41% | 3.43% |
| Ratio | Abri Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.74% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 6.5% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 27,904 |
| Q2 2024 | $388.8M | $349.8M | $248.1M | $43.3M | $330K | 0.17% | 1.61% | 0.34% | 27,949 |
Loan mix (Q2 2026): real estate $123.3M · commercial $24.7M · consumer $82.3M · securities $82.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 77.5% | 70th |
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 | Abri 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 | Abri 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 | Abri 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 | Abri 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 | Abri 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.
9 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Will, IL, ranked 21st with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Will, IL | 5 | $187.1M* | 0.76% | 21st |
| DuPage, IL | 3 | $112.2M* | 0.20% | 38th |
| Kane, IL | 1 | $37.4M* | 0.22% | 30th |
Illinois: 179th with 0.04% · Chicago-Naperville-Elgin metro: 105th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9 · 2026 9