| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.8% | +4.7% | +11.1 pts |
| Share growth (YoY) | +19.4% | +4.3% | +15.2 pts |
| Loan growth (YoY) | +22.1% | +4.3% | +17.8 pts |
| ROA | 0.35% | 0.75% | -0.4 pts |
| ROE | 2.9% | 6.9% | -3.9 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $953.5M | $822.6M | $733.6M | $113.9M | $1.7M | 0.35% | 3.55% | 0.79% | 65,426 |
| Q1 2026 | $969.1M | $821.5M | $739.7M | $113.4M | $1.1M | 0.46% | 3.24% | 0.94% | 64,970 |
| Q4 2025 | $829.8M | $698.5M | $626.1M | $111.7M | $297K | 0.04% | 3.51% | 0.84% | 61,893 |
| Q3 2025 | $840.3M | $693.6M | $636.2M | $110.9M | $-470K | -0.07% | 3.47% | 0.64% | 64,138 |
| Q2 2025 | $836.1M | $684.8M | $616.5M | $109.9M | $-1.5M | -0.35% | 3.42% | 0.70% | 64,138 |
| Q1 2025 | $836.5M | $687.8M | $605.7M | $109.5M | $-1.8M | -0.88% | 3.31% | 0.56% | 64,546 |
| Q4 2024 | $825.2M | $672.7M | $609.0M | $112.1M | $6.3M | 0.76% | 3.13% | 0.47% | 65,884 |
| Q3 2024 | $821.4M | $678.4M | $599.6M | $113.1M | $7.4M | 1.20% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.62% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 3.10% |
| 0.53% |
| 66,158 |
| Q2 2024 | $838.5M | $695.6M | $603.0M | $114.1M | $8.3M | 1.98% | 3.03% | 0.48% | 67,965 |
Loan mix (Q2 2026): real estate $257.9M · commercial $130.6M · consumer $343.9M · securities $115.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 78.3% | 75th |
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.
16 branches in 9 counties across 5 states (+3 vs 2025). Biggest market: Cook, IL, ranked 75th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 4 | $210.7M* | 0.05% | 75th |
| DuPage, IL | 2 | $105.3M* | 0.19% | 39th |
| Kane, IL | 2 | $105.3M* | 0.64% | 22nd |
| 5 more counties with Pro → | ||||
Illinois: 120th with 0.07% · Connecticut: 79th with 0.03% · Virginia: 169th with 0.01% · Pennsylvania: 260th with 0.01% · Chicago-Naperville-Elgin metro: 82nd, 0.07% · Washington-Arlington-Alexandria metro: 118th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 23 · 2023 21 · 2024 21 · 2025 13 · 2026 16