| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -3.4% | +0.9% | -4.3 pts |
| Loan growth (YoY) | +8.3% | -2.6% | +10.9 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 2.1% | 4.4% | -2.2 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.4M | $5.0M | $2.7M | $1.5M | $16K | 0.48% | 3.43% | 2.90% | 492 |
| Q1 2026 | $6.3M | $4.9M | $2.6M | $1.4M | $-977 | -0.06% | 2.95% | 2.24% | 494 |
| Q4 2025 | $6.5M | $5.0M | $2.6M | $1.4M | $24K | 0.37% | 3.31% | 1.38% | 490 |
| Q3 2025 | $6.5M | $5.0M | $2.6M | $1.5M | $64K | 1.32% | 4.08% | 2.76% | 494 |
| Q2 2025 | $6.6M | $5.1M | $2.5M | $1.5M | $35K | 1.06% | 3.76% | 1.35% | 514 |
| Q1 2025 | $6.6M | $5.1M | $2.6M | $1.4M | $20K | 1.20% | 3.84% | 1.06% | 525 |
| Q4 2024 | $6.6M | $5.1M | $2.6M | $1.4M | $22K | 0.34% | 3.04% | 2.12% | 532 |
| Q3 2024 | $6.6M | $5.2M | $2.7M | $1.4M | $49K | 1.00% | 3.54% | 0.03% | 536 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.7M | $5.2M | $2.8M | $1.4M | $39K | 1.16% | 3.61% | 0.08% | 542 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 80.6% | 63rd |
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: Macon, IL, ranked 19th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Macon, IL | 1 | $5.0M* | 0.16% | 19th |
Illinois: 541st with 0.00% · Decatur metro: 19th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1