| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -2.7% | +0.7% | -3.3 pts |
| Loan growth (YoY) | -11.6% | -2.4% | -9.3 pts |
| ROA | 1.05% | 0.60% | +0.4 pts |
| ROE | 9.9% | 4.1% | +5.8 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.6M | $30.9M | $7.8M | $3.7M | $91K | 1.05% | 3.63% | 0.52% | 3,119 |
| Q4 2025 | $33.3M | $29.7M | $8.0M | $3.6M | $285K | 0.85% | 3.52% | 0.76% | 3,131 |
| Q3 2025 | $33.3M | $29.7M | $8.6M | $3.5M | $219K | 0.88% | 3.49% | 0.26% | 3,159 |
| Q2 2025 | $34.6M | $31.1M | $8.7M | $3.4M | $133K | 0.77% | 3.29% | 0.35% | 3,212 |
| Q1 2025 | $35.1M | $31.7M | $8.8M | $3.3M | $55K | 0.63% | 3.09% | 0.16% | 3,231 |
| Q4 2024 | $33.3M | $30.0M | $9.2M | $3.3M | $113K | 0.34% | 2.91% | 0.18% | 3,242 |
| Q3 2024 | $32.5M | $29.2M | $9.8M | $3.2M | $56K | 0.23% | 2.92% | 0.57% | 3,263 |
| Q2 2024 | $33.8M | $30.6M | $10.0M | $3.2M | $17K | 0.10% | 2.65% | 1.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.60% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,300 |
Loan mix (Q1 2026): real estate $3.8M · commercial $0 · consumer $3.7M · securities $22.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 81.5% | 39th |
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 1 county across 1 state (+0 vs 2024). Biggest market: Will, IL, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Will, IL | 2 | $31.1M* | 0.13% | 37th |
Illinois: 461st with 0.00% · Chicago-Naperville-Elgin metro: 200th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2