| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -1.3% | +0.9% | -2.2 pts |
| Loan growth (YoY) | -11.8% | -2.6% | -9.1 pts |
| ROA | 1.21% | 0.65% | +0.6 pts |
| ROE | 5.7% | 4.4% | +1.3 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.6M | $8.3M | $6.1M | $2.3M | $64K | 1.21% | 5.03% | 0.93% | 1,279 |
| Q1 2026 | $10.6M | $8.3M | $6.2M | $2.2M | $24K | 0.89% | 5.10% | 0.67% | 1,269 |
| Q4 2025 | $10.5M | $8.3M | $6.7M | $2.2M | $162K | 1.54% | 5.13% | 0.97% | 1,251 |
| Q3 2025 | $10.6M | $8.5M | $6.7M | $2.2M | $123K | 1.55% | 5.11% | 0.34% | 1,230 |
| Q2 2025 | $10.6M | $8.4M | $6.9M | $2.1M | $103K | 1.95% | 5.12% | 1.03% | 1,218 |
| Q1 2025 | $10.5M | $8.4M | $7.4M | $2.1M | $27K | 1.03% | 5.05% | 0.59% | 1,210 |
| Q4 2024 | $10.3M | $8.2M | $7.7M | $2.0M | $148K | 1.44% | 5.27% | 0.98% | 1,202 |
| Q3 2024 | $10.1M | $8.1M | $7.9M | $2.0M | $114K | 1.50% | 5.31% | 0.53% | 1,175 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.1M | $8.1M | $7.9M | $2.0M | $117K | 2.31% | 5.32% | 1.05% | 1,159 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.0M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 80.6% | 35th |
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 (-1 vs 2025). Biggest market: Cook, IL, ranked 133rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $8.3M* | 0.00% | 133rd |
Illinois: 529th with 0.00% · Chicago-Naperville-Elgin metro: 225th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1