| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.5 pts |
| Share growth (YoY) | +1.3% | +0.9% | +0.4 pts |
| Loan growth (YoY) | +11.0% | -2.6% | +13.6 pts |
| ROA | 2.22% | 0.65% | +1.6 pts |
| ROE | 11.2% | 4.4% | +6.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.9M | $4.7M | $4.8M | $1.2M | $65K | 2.22% | 5.53% | 0.00% | 988 |
| Q1 2026 | $5.8M | $4.7M | $4.8M | $1.1M | $37K | 2.50% | 5.45% | 0.00% | 1,010 |
| Q4 2025 | $5.6M | $4.5M | $4.4M | $1.1M | $155K | 2.77% | 5.60% | 0.00% | 1,011 |
| Q3 2025 | $5.6M | $4.5M | $4.4M | $1.1M | $114K | 2.71% | 5.57% | 0.00% | 1,010 |
| Q2 2025 | $5.7M | $4.7M | $4.4M | $1.0M | $82K | 2.89% | 5.46% | 0.00% | 1,019 |
| Q1 2025 | $5.7M | $4.7M | $4.2M | $982K | $35K | 2.45% | 5.33% | 0.60% | 1,039 |
| Q4 2024 | $5.7M | $4.7M | $4.5M | $972K | $116K | 2.03% | 4.70% | 1.44% | 1,051 |
| Q3 2024 | $5.7M | $4.8M | $4.5M | $936K | $81K | 1.88% | 4.53% | 0.67% | 1,050 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.7M | $4.8M | $4.5M | $908K | $52K | 1.84% | 4.52% | 0.00% | 1,054 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $483K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 80.6% | 12th |
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: Effingham, IL, ranked 13th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Effingham, IL | 1 | $4.7M* | 0.18% | 13th |
Illinois: 543rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1