| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.9% | +1.3% | -7.2 pts |
| Share growth (YoY) | -6.6% | +0.9% | -7.5 pts |
| Loan growth (YoY) | -20.7% | -2.6% | -18.1 pts |
| ROA | -0.43% | 0.65% | -1.1 pts |
| ROE | -2.6% | 4.4% | -7.0 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.6M | $7.1M | $2.8M | $1.4M | $-18K | -0.43% | 3.43% | 6.53% | 805 |
| Q1 2026 | $8.4M | $7.0M | $2.9M | $1.4M | $-12K | -0.58% | 3.50% | 5.80% | 807 |
| Q4 2025 | $8.8M | $7.4M | $3.1M | $1.4M | $4K | 0.04% | 3.73% | 5.50% | 777 |
| Q3 2025 | $9.0M | $7.5M | $3.3M | $1.4M | $11K | 0.16% | 3.74% | 8.44% | 765 |
| Q2 2025 | $9.1M | $7.6M | $3.5M | $1.5M | $9K | 0.21% | 3.75% | 4.45% | 752 |
| Q1 2025 | $9.1M | $7.6M | $3.8M | $1.4M | $5K | 0.21% | 3.87% | 3.88% | 738 |
| Q4 2024 | $9.2M | $7.7M | $3.7M | $1.4M | $-100K | -1.09% | 3.11% | 0.55% | 725 |
| Q3 2024 | $9.3M | $7.8M | $3.7M | $1.4M | $14K | 0.20% | 4.02% | 2.24% | 705 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.43% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.4M | $7.9M | $3.8M | $1.4M | $14K | 0.29% | 4.00% | 1.51% | 702 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.4% | 80.6% | 92nd |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Cook, IL, ranked 137th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $7.1M* | 0.00% | 137th |
Illinois: 535th with 0.00% · Chicago-Naperville-Elgin metro: 229th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2