| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.4 pts |
| ROA | -1.88% | 0.60% | -2.5 pts |
| ROE | -37.5% | 4.1% | -41.6 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.9M | $10.3M | $4.8M | $544K | $-51K | -1.88% | 2.67% | 5.58% | 1,975 |
| Q4 2025 | $12.1M | $11.5M | $5.0M | $595K | $-115K | -0.95% | 2.23% | 4.73% | 2,333 |
| Q3 2025 | $11.2M | $10.5M | $4.9M | $844K | $8K | 0.10% | 2.63% | 4.05% | 1,899 |
| Q2 2025 | $11.1M | $10.3M | $4.8M | $858K | $18K | 0.33% | 2.42% | 5.98% | 1,892 |
| Q1 2025 | $11.1M | $10.3M | $4.8M | $882K | $43K | 1.55% | 2.28% | 5.28% | 1,879 |
| Q4 2024 | $10.8M | $10.1M | $5.1M | $840K | $-44K | -0.41% | 2.86% | 6.15% | 1,756 |
| Q3 2024 | $10.9M | $10.2M | $5.1M | $958K | $-59K | -0.72% | 2.89% | 6.29% | 1,771 |
| Q2 2024 | $11.3M | $10.5M | $5.5M | $1.0M | $-5K | -0.08% | 2.97% | 4.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.88% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -37.5% | 4.1% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,782 |
Loan mix (Q1 2026): real estate $507K · commercial $0 · consumer $4.2M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 160.4% | 81.5% | 98th |
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 2024). Biggest market: La Salle, IL, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| La Salle, IL | 1 | $10.3M* | 0.22% | 28th |
Illinois: 524th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1