| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +1.7% | +0.9% | +0.7 pts |
| Loan growth (YoY) | -7.6% | -2.6% | -5.0 pts |
| ROA | -1.54% | 0.65% | -2.2 pts |
| ROE | -7.5% | 4.4% | -11.9 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.4M | $7.4M | $2.5M | $1.9M | $-73K | -1.54% | 3.38% | 6.32% | 1,092 |
| Q1 2026 | $9.5M | $7.5M | $2.6M | $2.0M | $-46K | -1.94% | 4.31% | 5.42% | 1,254 |
| Q4 2025 | $9.2M | $7.1M | $2.8M | $2.0M | $-105K | -1.14% | 4.57% | 3.90% | 1,261 |
| Q3 2025 | $9.4M | $7.3M | $2.9M | $2.0M | $-102K | -1.46% | 4.55% | 2.57% | 1,269 |
| Q2 2025 | $9.3M | $7.3M | $2.7M | $2.0M | $-94K | -2.02% | 4.49% | 3.89% | 1,270 |
| Q1 2025 | $9.6M | $7.5M | $2.9M | $2.1M | $-41K | -1.70% | 4.39% | 5.74% | 1,282 |
| Q4 2024 | $9.5M | $7.3M | $3.1M | $2.1M | $-19K | -0.20% | 4.67% | 5.65% | 1,337 |
| Q3 2024 | $9.8M | $7.6M | $3.0M | $2.1M | $-25K | -0.34% | 4.54% | 5.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.54% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -7.5% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,333 |
| Q2 2024 | $9.9M | $7.7M | $2.9M | $2.1M | $-11K | -0.23% | 4.50% | 5.45% | 1,331 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 138.5% | 80.6% | 97th |
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: Cook, IL, ranked 136th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $7.4M* | 0.00% | 136th |
Illinois: 534th with 0.00% · Chicago-Naperville-Elgin metro: 228th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1