Access Credit Union
Total assets
$58.6M
▲ +1.6% YoY
Shares & deposits
$50.4M
▲ +1.6% YoY
Loans
$30.1M
▼ -3.1% YoY
Members
4,843
▼ -2.4% YoY
ROA (annualized)
0.13%
peers 0.60%
ROE (annualized)
0.99%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Access Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.6% | +0.7% | +1.0 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.7 pts |
| ROA | 0.13% | 0.60% | -0.5 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 1807 W Cermak Rd, Broadview, IL, 60155
- NCUA charter #
- 97097
- RSSD ID
- 490281
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.6M | $50.4M | $30.1M | $8.0M | $20K | 0.13% | 4.25% | 0.89% | 4,843 |
| Q4 2025 | $58.6M | $50.3M | $31.0M | $8.0M | $135K | 0.23% | 4.04% | 0.94% | 4,853 |
| Q3 2025 | $58.4M | $50.1M | $30.6M | $8.0M | $145K | 0.33% | 3.98% | 0.89% | 4,910 |
| Q2 2025 | $57.9M | $49.7M | $30.9M | $8.0M | $78K | 0.27% | 3.93% | 0.82% | 4,968 |
| Q1 2025 | $57.7M | $49.6M | $31.1M | $7.9M | $26K | 0.18% | 3.87% | 0.92% | 4,963 |
| Q4 2024 | $57.4M | $49.2M | $31.4M | $7.9M | $188K | 0.33% | 3.60% | 0.85% | 4,986 |
| Q3 2024 | $56.5M | $48.5M | $31.5M | $7.8M | $117K | 0.28% | 3.57% | 1.38% | 5,032 |
| Q2 2024 | $58.1M | $50.2M | $31.5M | $7.8M | $62K | 0.21% | 3.44% | 0.54% | 5,065 |
Loan mix (Q1 2026): real estate $12.7M · commercial $0 · consumer $16.9M · securities $22.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Access Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% | 69th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.6% | 81.5% | 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% |
Balance sheet
| Ratio | Access 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% |
Capital
| Ratio | Access 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% |
Credit quality
| Ratio | Access 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% |
Franchise
| Ratio | Access 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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