| Metric | Access Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.1 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.3 pts |
| ROA | 0.32% | 0.65% | -0.3 pts |
| ROE | 2.3% | 4.4% | -2.1 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.9M | $49.6M | $30.0M | $8.1M | $93K | 0.32% | 4.38% | 1.24% | 4,804 |
| 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% |
| Ratio | Access Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,032 |
| Q2 2024 | $58.1M | $50.2M | $31.5M | $7.8M | $62K | 0.21% | 3.44% | 0.54% | 5,065 |
Loan mix (Q2 2026): real estate $12.3M · commercial $0 · consumer $17.1M · securities $22.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 80.6% | 66th |
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 | 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% |
| Ratio | Access 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 | 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% |
| 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% |
| 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% |
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 113th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $49.6M* | 0.01% | 113th |
Illinois: 430th with 0.01% · Chicago-Naperville-Elgin metro: 180th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1