| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +1.3% | +7.5 pts |
| Share growth (YoY) | +8.7% | +0.9% | +7.8 pts |
| Loan growth (YoY) | +6.6% | -2.6% | +9.2 pts |
| ROA | 1.02% | 0.65% | +0.4 pts |
| ROE | 7.5% | 4.4% | +3.2 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.7M | $39.5M | $13.3M | $6.2M | $233K | 1.02% | 2.89% | 0.10% | 2,250 |
| Q1 2026 | $44.9M | $38.7M | $13.0M | $6.1M | $125K | 1.12% | 2.90% | 0.04% | 2,252 |
| Q4 2025 | $44.1M | $38.0M | $13.0M | $5.9M | $558K | 1.27% | 3.10% | 0.15% | 2,247 |
| Q3 2025 | $42.8M | $36.9M | $13.0M | $5.8M | $436K | 1.36% | 3.20% | 0.05% | 2,265 |
| Q2 2025 | $42.0M | $36.3M | $12.5M | $5.7M | $280K | 1.33% | 3.25% | 0.06% | 2,271 |
| Q1 2025 | $40.8M | $35.2M | $11.6M | $5.5M | $139K | 1.37% | 3.27% | 0.05% | 2,264 |
| Q4 2024 | $39.1M | $33.6M | $11.2M | $5.4M | $589K | 1.51% | 3.44% | 0.06% | 2,281 |
| Q3 2024 | $38.0M | $32.7M | $11.3M | $5.2M | $454K | 1.59% | 3.52% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,249 |
| Q2 2024 | $37.4M | $32.3M | $11.5M | $5.0M | $243K | 1.30% | 3.53% | 0.07% | 2,243 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $12.7M · securities $26.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 80.6% | 22nd |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: McLean, IL, ranked 29th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLean, IL | 1 | $19.7M* | 0.18% | 29th |
| Allen, IN | 1 | $19.7M* | 0.15% | 36th |
Indiana: 229th with 0.01% · Illinois: 496th with 0.00% · Fort Wayne metro: 40th, 0.13% · Bloomington metro: 29th, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2