| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.8% | +0.9% | +2.8 pts |
| Loan growth (YoY) | -34.2% | -2.6% | -31.6 pts |
| ROA | 1.17% | 0.65% | +0.5 pts |
| ROE | 7.3% | 4.4% | +2.9 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.7M | $2.3M | $1.0M | $432K | $16K | 1.17% | 4.72% | 0.00% | 445 |
| Q1 2026 | $2.8M | $2.4M | $1.2M | $426K | $10K | 1.37% | 4.75% | 0.43% | 445 |
| Q4 2025 | $2.8M | $2.4M | $1.3M | $416K | $42K | 1.51% | 4.85% | 0.00% | 445 |
| Q3 2025 | $2.7M | $2.3M | $1.4M | $412K | $37K | 1.84% | 5.00% | 0.00% | 448 |
| Q2 2025 | $2.6M | $2.2M | $1.5M | $396K | $21K | 1.64% | 5.03% | 0.00% | 459 |
| Q1 2025 | $2.7M | $2.4M | $1.6M | $386K | $11K | 1.64% | 4.87% | 0.00% | 461 |
| Q4 2024 | $2.6M | $2.2M | $1.8M | $374K | $45K | 1.74% | 5.16% | 0.00% | 459 |
| Q3 2024 | $2.5M | $2.2M | $1.9M | $367K | $38K | 1.99% | 5.34% | 0.40% | 461 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.5M | $2.1M | $2.0M | $351K | $22K | 1.81% | 5.36% | 0.00% | 463 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $850K · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 80.6% | 37th |
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: Kane, IL, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kane, IL | 1 | $2.3M* | 0.01% | 39th |
Illinois: 561st with 0.00% · Chicago-Naperville-Elgin metro: 244th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1