| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.8% | +1.3% | +14.5 pts |
| Share growth (YoY) | +20.3% | +0.9% | +19.4 pts |
| Loan growth (YoY) | +41.4% | -2.6% | +44.0 pts |
| ROA | 0.30% | 0.65% | -0.3 pts |
| ROE | 1.8% | 4.4% | -2.6 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 | $62.5M | $51.2M | $26.5M | $10.7M | $95K | 0.30% | 3.55% | 0.55% | 4,816 |
| Q1 2026 | $61.0M | $49.7M | $23.7M | $10.6M | $10K | 0.07% | 3.34% | 0.30% | 4,853 |
| Q4 2025 | $56.5M | $45.0M | $21.5M | $10.6M | $31K | 0.06% | 3.39% | 0.79% | 5,061 |
| Q3 2025 | $53.5M | $42.0M | $18.7M | $10.6M | $4K | 0.01% | 3.51% | 1.15% | 5,266 |
| Q2 2025 | $54.0M | $42.5M | $18.8M | $10.6M | $26K | 0.10% | 3.42% | 0.80% | 5,319 |
| Q1 2025 | $54.6M | $42.9M | $18.8M | $10.6M | $29K | 0.21% | 3.32% | 0.99% | 5,344 |
| Q4 2024 | $54.2M | $42.7M | $19.0M | $10.6M | $77K | 0.14% | 3.38% | 0.75% | 5,354 |
| Q3 2024 | $53.6M | $42.1M | $19.5M | $10.6M | $42K | 0.10% | 3.41% | 1.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,457 |
| Q2 2024 | $55.6M | $43.8M | $19.4M | $10.6M | $52K | 0.19% | 3.27% | 1.25% | 5,492 |
Loan mix (Q2 2026): real estate $8.7M · commercial $0 · consumer $17.6M · securities $33.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 80.6% | 40th |
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 (+0 vs 2025). Biggest market: Cook, IL, ranked 111th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $51.2M* | 0.01% | 111th |
Illinois: 427th with 0.01% · Chicago-Naperville-Elgin metro: 177th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1