| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.8% | +1.3% | +17.5 pts |
| Share growth (YoY) | +26.6% | +0.9% | +25.7 pts |
| Loan growth (YoY) | +1.2% | -2.6% | +3.8 pts |
| ROA | 0.30% | 0.65% | -0.4 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.1M | $26.6M | $12.1M | $3.3M | $45K | 0.30% | 2.99% | 0.18% | 2,389 |
| Q1 2026 | $35.5M | $32.0M | $11.5M | $3.3M | $23K | 0.26% | 2.50% | 0.06% | 2,352 |
| Q4 2025 | $25.6M | $22.1M | $12.2M | $3.2M | $3K | 0.01% | 3.65% | 0.14% | 2,374 |
| Q3 2025 | $25.6M | $22.2M | $12.4M | $3.2M | $-10K | -0.05% | 3.63% | 1.97% | 2,381 |
| Q2 2025 | $25.3M | $21.0M | $11.9M | $3.3M | $15K | 0.12% | 3.71% | 0.03% | 2,339 |
| Q1 2025 | $23.2M | $19.7M | $12.3M | $3.3M | $19K | 0.33% | 4.13% | 0.54% | 2,317 |
| Q4 2024 | $27.9M | $24.5M | $12.5M | $3.2M | $58K | 0.21% | 3.18% | 0.27% | 2,316 |
| Q3 2024 | $23.7M | $20.1M | $11.5M | $3.2M | $64K | 0.36% | 3.71% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,299 |
| Q2 2024 | $28.7M | $25.2M | $12.3M | $3.2M | $54K | 0.37% | 3.05% | 0.60% | 2,299 |
Loan mix (Q2 2026): real estate $6.1M · commercial $1.2M · consumer $4.6M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.1% | 80.6% | 72nd |
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: Cook, IL, ranked 124th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $26.6M* | 0.01% | 124th |
Illinois: 470th with 0.00% · Chicago-Naperville-Elgin metro: 203rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1