| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +1.3% | -8.9 pts |
| Share growth (YoY) | -9.7% | +0.9% | -10.6 pts |
| Loan growth (YoY) | -45.2% | -2.6% | -42.6 pts |
| ROA | -1.86% | 0.65% | -2.5 pts |
| ROE | -7.4% | 4.4% | -11.8 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116K | $87K | $11K | $29K | $-1K | -1.86% | 1.72% | 0.00% | 154 |
| Q1 2026 | $116K | $87K | $12K | $30K | $-967 | -3.33% | 0.75% | 0.00% | 151 |
| Q4 2025 | $119K | $88K | $13K | $31K | $-3K | -2.74% | 2.14% | 0.00% | 151 |
| Q3 2025 | $119K | $90K | $21K | $29K | $-2K | -2.01% | 2.00% | 0.00% | 154 |
| Q2 2025 | $125K | $96K | $20K | $29K | $-3K | -4.10% | 0.00% | 0.00% | 154 |
| Q1 2025 | $125K | $92K | $22K | $32K | $-853 | -2.74% | 1.67% | 0.00% | 154 |
| Q4 2024 | $128K | $95K | $25K | $34K | $-2K | -1.68% | 2.60% | 0.00% | 154 |
| Q3 2024 | $129K | $97K | $33K | $32K | $-4K | -3.92% | 2.37% | 0.00% | 154 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.86% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -7.4% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $133K |
| $98K |
| $31K |
| $35K |
| $-1K |
| -1.61% |
| 2.51% |
| 0.00% |
| 154 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $11K · securities $26K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 205.5% | 80.6% | 99th |
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 167th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $87K* | 0.00% | 167th |
Illinois: 600th with 0.00% · Chicago-Naperville-Elgin metro: 275th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1