| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | +1.0% | +3.3% | -2.3 pts |
| Loan growth (YoY) | +1.2% | +2.9% | -1.7 pts |
| ROA | 0.30% | 0.69% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $207.2M | $181.5M | $110.3M | $26.0M | $157K | 0.30% | 2.82% | 0.31% | 12,320 |
| Q4 2025 | $201.7M | $176.3M | $112.1M | $25.8M | $748K | 0.37% | 2.80% | 0.40% | 12,358 |
| Q3 2025 | $198.8M | $173.5M | $112.3M | $25.7M | $550K | 0.37% | 2.80% | 0.41% | 12,486 |
| Q2 2025 | $202.0M | $177.1M | $110.9M | $25.4M | $248K | 0.25% | 2.66% | 0.43% | 12,556 |
| Q1 2025 | $204.3M | $179.7M | $109.0M | $25.2M | $92K | 0.18% | 2.54% | 0.38% | 12,489 |
| Q4 2024 | $195.3M | $170.9M | $108.8M | $25.1M | $188K | 0.10% | 2.22% | 0.37% | 12,492 |
| Q3 2024 | $165.1M | $143.8M | $100.4M | $22.0M | $156K | 0.13% | 2.52% | 0.33% | 11,505 |
| Q2 2024 | $166.9M | $145.3M | $101.2M | $21.9M | $78K | 0.09% | 2.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.69% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 11,600 |
Loan mix (Q1 2026): real estate $16.6M · commercial $2.3M · consumer $85.6M · securities $78.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 78.7% | 64th |
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.
5 branches in 4 counties across 1 state (+0 vs 2024). Biggest market: Peoria, IL, ranked 12th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Peoria, IL | 2 | $70.9M* | 1.07% | 12th |
| Sangamon, IL | 1 | $35.4M* | 0.34% | 26th |
| Tazewell, IL | 1 | $35.4M* | 0.77% | 12th |
| 1 more county with Pro → | ||||
Illinois: 269th with 0.02% · Peoria metro: 13th, 1.07% · Springfield metro: 27th, 0.32% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5