| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.1% | +1.5 pts |
| Share growth (YoY) | +5.3% | +3.5% | +1.8 pts |
| Loan growth (YoY) | +2.7% | +2.9% | -0.2 pts |
| ROA | 1.30% | 0.74% | +0.6 pts |
| ROE | 6.7% | 6.5% | +0.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $471.7M | $385.6M | $262.6M | $91.2M | $3.1M | 1.30% | 4.14% | 0.75% | 31,326 |
| Q1 2026 | $473.1M | $388.4M | $261.2M | $89.6M | $1.5M | 1.25% | 4.07% | 0.63% | 31,290 |
| Q4 2025 | $456.5M | $370.9M | $259.4M | $88.1M | $5.8M | 1.27% | 4.04% | 0.86% | 31,213 |
| Q3 2025 | $447.3M | $364.7M | $258.2M | $86.6M | $4.1M | 1.24% | 4.09% | 0.83% | 31,333 |
| Q2 2025 | $446.5M | $366.1M | $255.7M | $85.1M | $2.7M | 1.21% | 4.04% | 0.63% | 31,466 |
| Q1 2025 | $447.9M | $369.8M | $251.3M | $83.7M | $1.3M | 1.15% | 3.92% | 0.39% | 31,308 |
| Q4 2024 | $424.3M | $349.1M | $250.3M | $82.4M | $5.8M | 1.37% | 3.94% | 0.38% | 31,132 |
| Q3 2024 | $417.9M | $342.1M | $250.4M | $81.7M | $5.0M | 1.60% | 3.96% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Earthmover Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.74% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 6.5% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 31,203 |
| Q2 2024 | $392.7M | $326.2M | $239.1M | $76.1M | $3.9M | 1.98% | 3.97% | 0.42% | 29,462 |
Loan mix (Q2 2026): real estate $112.5M · commercial $16.7M · consumer $131.7M · securities $151.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 77.5% | 28th |
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 | Earthmover 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 | Earthmover Credit Union | 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 | Earthmover 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 | Earthmover 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 | Earthmover 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.
7 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Kendall, IL, ranked 5th with 8.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kendall, IL | 5 | $275.4M* | 8.75% | 5th |
| Kane, IL | 2 | $110.2M* | 0.65% | 21st |
Illinois: 160th with 0.05% · Chicago-Naperville-Elgin metro: 94th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 7