| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.6 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.3 pts |
| ROA | 1.25% | 0.65% | +0.6 pts |
| ROE | 10.2% | 4.4% | +5.8 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.1M | $22.8M | $11.3M | $3.2M | $163K | 1.25% | 4.21% | 1.85% | 3,566 |
| Q1 2026 | $25.7M | $22.5M | $11.7M | $3.1M | $63K | 0.98% | 3.86% | 1.67% | 3,552 |
| Q4 2025 | $24.9M | $21.5M | $12.1M | $3.3M | $151K | 0.61% | 4.38% | 2.09% | 3,527 |
| Q3 2025 | $26.1M | $21.6M | $11.7M | $3.2M | $55K | 0.28% | 3.71% | 2.30% | 3,520 |
| Q2 2025 | $25.7M | $22.4M | $11.6M | $3.2M | $4K | 0.03% | 3.89% | 2.74% | 3,501 |
| Q1 2025 | $28.3M | $24.9M | $11.5M | $3.2M | $56K | 0.79% | 3.60% | 4.70% | 3,515 |
| Q4 2024 | $27.3M | $23.8M | $11.5M | $3.4M | $351K | 1.28% | 4.41% | 4.58% | 3,619 |
| Q3 2024 | $25.7M | $22.2M | $11.5M | $3.4M | $298K | 1.55% | 4.71% | 4.40% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,501 |
| Q2 2024 | $25.1M | $21.7M | $11.4M | $3.4M | $212K | 1.69% | 4.72% | 4.86% | 3,440 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $11.2M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 80.6% | 43rd |
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 2025). Biggest market: Champaign, IL, ranked 30th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Champaign, IL | 2 | $22.8M* | 0.28% | 30th |
Illinois: 482nd with 0.00% · Champaign-Urbana metro: 35th, 0.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2