| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +7.6% | +0.9% | +6.7 pts |
| Loan growth (YoY) | -7.5% | -2.6% | -4.8 pts |
| ROA | 0.49% | 0.65% | -0.2 pts |
| ROE | 5.6% | 4.4% | +1.2 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 | $26.5M | $24.1M | $15.0M | $2.3M | $65K | 0.49% | 3.70% | 0.58% | 2,254 |
| Q1 2026 | $25.1M | $22.7M | $15.2M | $2.3M | $44K | 0.70% | 3.73% | 0.45% | 2,256 |
| Q4 2025 | $22.7M | $20.4M | $15.9M | $2.3M | $100K | 0.44% | 3.81% | 0.70% | 2,260 |
| Q3 2025 | $24.4M | $22.1M | $15.8M | $2.2M | $71K | 0.39% | 3.47% | 0.71% | 2,269 |
| Q2 2025 | $24.6M | $22.4M | $16.2M | $2.2M | $34K | 0.28% | 3.31% | 0.62% | 2,252 |
| Q1 2025 | $24.7M | $22.4M | $16.0M | $2.2M | $11K | 0.17% | 3.12% | 0.32% | 2,253 |
| Q4 2024 | $24.7M | $22.5M | $16.4M | $2.2M | $62K | 0.25% | 2.78% | 0.35% | 2,247 |
| Q3 2024 | $22.7M | $20.5M | $16.6M | $2.1M | $52K | 0.30% | 2.98% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,240 |
| Q2 2024 | $23.4M | $21.2M | $17.0M | $2.1M | $29K | 0.25% | 2.84% | 0.31% | 2,161 |
Loan mix (Q2 2026): real estate $898K · commercial $0 · consumer $11.9M · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 80.6% | 54th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kankakee, IL, ranked 17th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kankakee, IL | 2 | $24.1M* | 0.76% | 17th |
Illinois: 479th with 0.00% · Kankakee metro: 17th, 0.76% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2