| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.5% | +1.3% | -8.8 pts |
| Share growth (YoY) | -17.7% | +0.9% | -18.7 pts |
| Loan growth (YoY) | +11.9% | -2.6% | +14.5 pts |
| ROA | 0.13% | 0.65% | -0.5 pts |
| ROE | 0.2% | 4.4% | -4.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.4M | $1.8M | $788K | $2.5M | $3K | 0.13% | 5.13% | 18.59% | 554 |
| Q1 2026 | $4.4M | $1.8M | $818K | $2.5M | $2K | 0.21% | 5.01% | 16.95% | 563 |
| Q4 2025 | $4.3M | $1.8M | $806K | $2.5M | $50K | 1.16% | 5.10% | 17.53% | 547 |
| Q3 2025 | $4.3M | $1.8M | $691K | $2.5M | $31K | 0.95% | 4.99% | 18.03% | 549 |
| Q2 2025 | $4.7M | $2.2M | $704K | $2.5M | $22K | 0.92% | 4.59% | 20.94% | 551 |
| Q1 2025 | $4.7M | $2.2M | $717K | $2.4M | $5K | 0.41% | 4.46% | 12.37% | 547 |
| Q4 2024 | $4.6M | $2.2M | $760K | $2.4M | $20K | 0.42% | 4.68% | 10.20% | 548 |
| Q3 2024 | $4.7M | $2.2M | $678K | $2.4M | $23K | 0.66% | 4.51% | 11.95% | 545 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.7M | $2.3M | $680K | $2.4M | $18K | 0.77% | 4.47% | 9.05% | 555 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $788K · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 80.6% | 40th |
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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Cook, IL, ranked 152nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $1.2M* | 0.00% | 152nd |
| Maricopa, AZ | 1 | $608K* | 0.00% | 92nd |
Illinois: 576th with 0.00% · Arizona: 114th with 0.00% · Chicago-Naperville-Elgin metro: 252nd, 0.00% · Phoenix-Mesa-Chandler metro: 95th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3