| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +5.7% | +0.9% | +4.7 pts |
| Loan growth (YoY) | -9.0% | -2.6% | -6.4 pts |
| ROA | 1.34% | 0.65% | +0.7 pts |
| ROE | 6.6% | 4.4% | +2.2 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.7M | $26.8M | $12.3M | $6.9M | $226K | 1.34% | 3.11% | 0.92% | 2,325 |
| Q1 2026 | $33.2M | $26.4M | $12.7M | $6.8M | $125K | 1.50% | 3.16% | 0.24% | 2,325 |
| Q4 2025 | $31.9M | $25.2M | $12.9M | $6.6M | $221K | 0.69% | 2.88% | 0.54% | 2,341 |
| Q3 2025 | $31.6M | $24.8M | $13.3M | $6.8M | $338K | 1.43% | 3.50% | 0.48% | 2,362 |
| Q2 2025 | $32.1M | $25.4M | $13.5M | $6.6M | $224K | 1.40% | 3.40% | 0.51% | 2,336 |
| Q1 2025 | $31.7M | $25.2M | $13.7M | $6.5M | $109K | 1.38% | 3.40% | 0.83% | 2,348 |
| Q4 2024 | $30.1M | $23.7M | $13.8M | $6.4M | $216K | 0.72% | 2.90% | 1.06% | 2,356 |
| Q3 2024 | $29.6M | $23.1M | $14.0M | $6.5M | $247K | 1.11% | 3.31% | 1.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.65% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,371 |
| Q2 2024 | $30.3M | $23.9M | $13.9M | $6.4M | $153K | 1.01% | 3.13% | 1.31% | 2,360 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $12.0M · securities $15.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 80.6% | 8th |
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: Coles, IL, ranked 12th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Coles, IL | 1 | $26.8M* | 1.04% | 12th |
Illinois: 468th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1