| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -3.0% | +0.9% | -3.9 pts |
| Loan growth (YoY) | -14.2% | -2.6% | -11.6 pts |
| ROA | 0.23% | 0.65% | -0.4 pts |
| ROE | 1.0% | 4.4% | -3.4 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.9M | $21.4M | $11.7M | $6.3M | $32K | 0.23% | 5.43% | 2.65% | 4,921 |
| Q1 2026 | $27.7M | $21.2M | $12.1M | $6.2M | $7K | 0.10% | 5.52% | 2.45% | 5,017 |
| Q4 2025 | $28.1M | $21.6M | $12.7M | $6.2M | $51K | 0.18% | 5.95% | 2.95% | 4,928 |
| Q3 2025 | $28.5M | $22.0M | $13.3M | $6.2M | $28K | 0.13% | 5.93% | 3.12% | 4,924 |
| Q2 2025 | $28.4M | $22.1M | $13.6M | $6.4M | $5K | 0.03% | 5.97% | 3.52% | 4,902 |
| Q1 2025 | $29.1M | $22.7M | $13.8M | $6.4M | $18K | 0.24% | 5.84% | 3.67% | 4,869 |
| Q4 2024 | $28.1M | $21.8M | $14.4M | $6.4M | $191K | 0.68% | 6.04% | 3.26% | 4,923 |
| Q3 2024 | $28.6M | $22.4M | $14.1M | $6.1M | $148K | 0.69% | 5.86% | 3.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,945 |
| Q2 2024 | $29.8M | $23.0M | $14.4M | $6.5M | $71K | 0.48% | 5.50% | 4.58% | 4,930 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $11.6M · securities $8.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 80.6% | 68th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Cook, IL, ranked 126th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 3 | $21.4M* | 0.00% | 126th |
Illinois: 487th with 0.00% · Chicago-Naperville-Elgin metro: 208th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3