| Metric | Dupage Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.8% | -0.7 pts |
| Share growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +8.1% | +4.3% | +3.8 pts |
| ROA | 0.25% | 0.62% | -0.4 pts |
| ROE | 2.6% | 5.9% | -3.3 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $595.9M | $511.6M | $450.5M | $57.0M | $366K | 0.25% | 4.49% | 0.40% | 48,466 |
| Q4 2025 | $581.1M | $497.0M | $438.0M | $56.6M | $5.7M | 0.98% | 4.72% | 0.65% | 47,662 |
| Q3 2025 | $566.1M | $483.8M | $444.2M | $55.5M | $4.7M | 1.10% | 4.83% | 0.62% | 47,306 |
| Q2 2025 | $569.6M | $489.7M | $446.3M | $54.3M | $2.7M | 0.94% | 4.69% | 0.62% | 48,104 |
| Q1 2025 | $572.5M | $494.7M | $416.7M | $52.9M | $1.2M | 0.85% | 4.52% | 0.60% | 48,978 |
| Q4 2024 | $565.3M | $474.9M | $427.7M | $51.6M | $5.5M | 0.97% | 4.60% | 0.98% | 49,646 |
| Q3 2024 | $568.6M | $464.3M | $434.2M | $51.0M | $4.9M | 1.14% | 4.57% | 0.89% | 49,493 |
| Q2 2024 | $575.2M | $473.5M | $440.7M | $50.6M | $3.7M | 1.28% | 4.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Dupage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.62% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 50,181 |
Loan mix (Q1 2026): real estate $152.3M · commercial $15.4M · consumer $281.7M · securities $49.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 78.3% | 90th |
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 | Dupage Credit Union | 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 | Dupage Credit Union | 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 | Dupage Credit Union | 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 | Dupage Credit Union | 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.