| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.5% | +1.3% | +11.2 pts |
| Share growth (YoY) | +13.8% | +0.7% | +13.1 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.3 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $90.7M | $77.7M | $55.1M | $12.8M | $258K | 1.14% | 3.21% | 0.03% | 6,465 |
| Q4 2025 | $85.1M | $72.4M | $56.7M | $12.5M | $578K | 0.68% | 2.88% | 0.14% | 6,402 |
| Q3 2025 | $84.2M | $71.2M | $56.2M | $12.8M | $846K | 1.34% | 3.53% | 0.12% | 6,386 |
| Q2 2025 | $81.2M | $68.6M | $55.7M | $12.4M | $508K | 1.25% | 3.66% | 0.15% | 6,321 |
| Q1 2025 | $80.6M | $68.3M | $55.1M | $12.1M | $170K | 0.84% | 3.67% | 0.11% | 6,262 |
| Q4 2024 | $77.5M | $65.4M | $55.2M | $11.9M | $1.0M | 1.29% | 3.22% | 0.13% | 6,196 |
| Q3 2024 | $75.1M | $62.8M | $56.1M | $12.2M | $1.3M | 2.22% | 4.05% | 0.05% | 6,170 |
| Q2 2024 | $74.7M | $62.7M | $54.5M | $11.7M | $820K | 2.20% | 4.03% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,161 |
Loan mix (Q1 2026): real estate $3.8M · commercial $0 · consumer $50.7M · securities $24.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 81.5% | 13th |
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 2024). Biggest market: Cook, IL, ranked 101st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $68.6M* | 0.01% | 101st |
Illinois: 394th with 0.01% · Chicago-Naperville-Elgin metro: 166th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1