| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -4.5% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -11.2% | -2.6% | -8.6 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 0.7% | 4.4% | -3.7 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.9M | $1.5M | $1.3M | $402K | $1K | 0.15% | 5.65% | 6.11% | 438 |
| Q1 2026 | $2.0M | $1.5M | $1.2M | $416K | $16K | 3.18% | 7.22% | 2.50% | 431 |
| Q4 2025 | $1.9M | $1.5M | $1.3M | $401K | $13K | 0.67% | 5.53% | 6.63% | 428 |
| Q3 2025 | $2.0M | $1.6M | $1.4M | $404K | $16K | 1.11% | 5.56% | 6.44% | 424 |
| Q2 2025 | $2.0M | $1.6M | $1.4M | $397K | $9K | 0.91% | 5.35% | 5.36% | 435 |
| Q1 2025 | $2.0M | $1.6M | $1.3M | $394K | $6K | 1.28% | 6.15% | 2.24% | 432 |
| Q4 2024 | $1.9M | $1.5M | $1.4M | $388K | $31K | 1.60% | 4.29% | 2.63% | 430 |
| Q3 2024 | $2.0M | $1.5M | $1.5M | $402K | $20K | 1.37% | 4.92% | 2.35% | 429 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.0M |
| $1.6M |
| $1.6M |
| $382K |
| $784 |
| 0.08% |
| 3.70% |
| 2.52% |
| 433 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $385K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.4% | 80.6% | 84th |
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 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kane, IL | 1 | $1.5M* | 0.01% | 40th |
Illinois: 571st with 0.00% · Chicago-Naperville-Elgin metro: 249th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1