| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +7.9% | +0.9% | +6.9 pts |
| Loan growth (YoY) | -13.4% | -2.6% | -10.8 pts |
| ROA | 0.33% | 0.65% | -0.3 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.4M | $1.2M | $132K | $158K | $2K | 0.33% | 2.92% | 0.31% | 363 |
| Q1 2026 | $1.4M | $1.2M | $138K | $157K | $2K | 0.45% | 2.98% | 0.46% | 358 |
| Q4 2025 | $1.3M | $1.2M | $148K | $155K | $8K | 0.58% | 3.08% | 0.61% | 325 |
| Q3 2025 | $1.3M | $1.1M | $160K | $152K | $5K | 0.48% | 3.13% | 1.01% | 347 |
| Q2 2025 | $1.3M | $1.2M | $152K | $151K | $3K | 0.48% | 3.07% | 4.78% | 352 |
| Q1 2025 | $1.3M | $1.1M | $137K | $149K | $2K | 0.59% | 3.20% | 20.73% | 353 |
| Q4 2024 | $1.2M | $1.1M | $162K | $147K | $11K | 0.94% | 3.77% | 5.32% | 355 |
| Q3 2024 | $1.3M | $1.1M | $166K | $145K | $9K | 0.95% | 3.75% | 4.39% | 342 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.65% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.3M |
| $1.1M |
| $178K |
| $142K |
| $6K |
| 1.01% |
| 3.67% |
| 4.40% |
| 343 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $132K · securities $825K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 80.6% | 69th |
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 151st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $1.2M* | 0.00% | 151st |
Illinois: 575th with 0.00% · Chicago-Naperville-Elgin metro: 251st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1