| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +2.7% | +0.9% | +1.7 pts |
| Loan growth (YoY) | -3.8% | -2.6% | -1.2 pts |
| ROA | 0.36% | 0.65% | -0.3 pts |
| ROE | 4.1% | 4.4% | -0.3 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.1M | $49.0M | $21.8M | $4.6M | $95K | 0.36% | 3.19% | 0.93% | 5,606 |
| Q1 2026 | $55.7M | $51.7M | $21.7M | $4.6M | $50K | 0.36% | 3.09% | 0.64% | 5,595 |
| Q4 2025 | $51.4M | $47.4M | $22.2M | $4.5M | $266K | 0.52% | 3.26% | 0.49% | 5,588 |
| Q3 2025 | $50.3M | $46.4M | $22.5M | $4.5M | $180K | 0.48% | 3.28% | 0.58% | 5,604 |
| Q2 2025 | $51.3M | $47.7M | $22.7M | $4.4M | $106K | 0.41% | 3.17% | 0.57% | 5,643 |
| Q1 2025 | $52.3M | $48.9M | $22.3M | $4.4M | $43K | 0.33% | 3.02% | 0.56% | 5,699 |
| Q4 2024 | $49.2M | $45.9M | $22.2M | $4.3M | $205K | 0.42% | 3.25% | 1.18% | 5,722 |
| Q3 2024 | $50.5M | $47.3M | $22.5M | $4.4M | $161K | 0.43% | 3.12% | 0.89% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,735 |
| Q2 2024 | $50.4M | $47.5M | $21.6M | $4.3M | $98K | 0.39% | 3.09% | 0.97% | 5,719 |
Loan mix (Q2 2026): real estate $2.4M · commercial $28K · consumer $16.7M · securities $12.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 80.6% | 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 | 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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Madison, IL, ranked 28th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, IL | 1 | $24.5M* | 0.27% | 28th |
| Macoupin, IL | 1 | $24.5M* | 1.94% | 11th |
Illinois: 431st with 0.01% · St. Louis metro: 111th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2