| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.1% | +5.0 pts |
| Share growth (YoY) | +9.0% | +3.5% | +5.5 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.3 pts |
| ROA | 1.36% | 0.74% | +0.6 pts |
| ROE | 10.3% | 6.5% | +3.8 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $128.1M | $111.0M | $83.1M | $16.9M | $871K | 1.36% | 3.72% | 0.43% | 9,731 |
| Q1 2026 | $123.4M | $106.8M | $83.4M | $16.4M | $353K | 1.15% | 3.66% | 0.09% | 9,691 |
| Q4 2025 | $118.0M | $101.7M | $81.1M | $16.1M | $1.6M | 1.32% | 3.77% | 0.29% | 9,635 |
| Q3 2025 | $116.1M | $100.2M | $82.7M | $15.7M | $1.2M | 1.38% | 3.80% | 0.17% | 9,733 |
| Q2 2025 | $117.4M | $101.9M | $82.6M | $15.3M | $771K | 1.31% | 3.69% | 0.24% | 9,778 |
| Q1 2025 | $120.1M | $105.0M | $81.0M | $14.9M | $366K | 1.22% | 3.50% | 0.14% | 9,795 |
| Q4 2024 | $118.4M | $103.7M | $78.7M | $14.5M | $1.3M | 1.11% | 3.35% | 0.18% | 9,767 |
| Q3 2024 | $118.0M | $103.5M | $80.7M | $14.4M | $1.2M | 1.30% | 3.32% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.74% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.5% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 9,900 |
| Q2 2024 | $120.7M | $106.6M | $80.1M | $14.0M | $778K | 1.29% | 3.20% | 0.07% | 9,924 |
Loan mix (Q2 2026): real estate $28.1M · commercial $347K · consumer $54.1M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 77.5% | 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 2025). Biggest market: Kankakee, IL, ranked 9th with 3.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kankakee, IL | 1 | $111.0M* | 3.51% | 9th |
Illinois: 344th with 0.01% · Kankakee metro: 9th, 3.51% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1