| 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) | -0.7% | -2.6% | +2.0 pts |
| ROA | 1.38% | 0.65% | +0.7 pts |
| ROE | 9.0% | 4.4% | +4.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.3M | $22.2M | $5.1M | $4.0M | $182K | 1.38% | 2.91% | 0.00% | 1,613 |
| Q1 2026 | $26.3M | $22.3M | $5.2M | $3.9M | $70K | 1.06% | 2.76% | 0.00% | 1,643 |
| Q4 2025 | $25.7M | $21.8M | $5.0M | $3.9M | $394K | 1.53% | 3.05% | 0.15% | 1,637 |
| Q3 2025 | $25.4M | $21.5M | $5.2M | $3.8M | $294K | 1.54% | 3.10% | 0.15% | 1,658 |
| Q2 2025 | $25.2M | $21.4M | $5.2M | $3.7M | $176K | 1.40% | 3.00% | 0.15% | 1,654 |
| Q1 2025 | $26.3M | $22.6M | $5.0M | $3.6M | $83K | 1.27% | 2.94% | 0.15% | 1,616 |
| Q4 2024 | $26.1M | $22.5M | $5.2M | $3.5M | $302K | 1.16% | 2.67% | 0.15% | 1,640 |
| Q3 2024 | $25.5M | $22.0M | $5.2M | $3.5M | $257K | 1.35% | 2.67% | 0.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,646 |
| Q2 2024 | $25.7M | $22.2M | $4.8M | $3.4M | $119K | 0.93% | 2.37% | 0.18% | 1,607 |
Loan mix (Q2 2026): real estate $231K · commercial $0 · consumer $4.9M · securities $17.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 80.6% | 7th |
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 34th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kane, IL | 1 | $22.2M* | 0.13% | 34th |
Illinois: 486th with 0.00% · Chicago-Naperville-Elgin metro: 207th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1