| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -6.3% | +0.9% | -7.2 pts |
| Loan growth (YoY) | -0.9% | -2.6% | +1.7 pts |
| ROA | -0.39% | 0.65% | -1.0 pts |
| ROE | -3.4% | 4.4% | -7.8 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.2M | $1.1M | $834K | $140K | $-2K | -0.39% | 4.20% | 0.22% | 485 |
| Q1 2026 | $1.2M | $1.1M | $858K | $143K | $904 | 0.29% | 4.74% | 0.00% | 486 |
| Q4 2025 | $1.2M | $1.1M | $878K | $142K | $6K | 0.46% | 4.91% | 0.00% | 480 |
| Q3 2025 | $1.3M | $1.2M | $876K | $143K | $6K | 0.64% | 4.59% | 0.00% | 484 |
| Q2 2025 | $1.3M | $1.2M | $842K | $141K | $5K | 0.71% | 4.35% | 0.00% | 482 |
| Q1 2025 | $1.4M | $1.2M | $850K | $137K | $491 | 0.15% | 3.56% | 0.00% | 495 |
| Q4 2024 | $1.4M | $1.3M | $879K | $137K | $8K | 0.54% | 4.24% | 0.27% | 489 |
| Q3 2024 | $1.4M | $1.3M | $931K | $135K | $9K | 0.84% | 4.20% | 0.06% | 500 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.39% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -3.4% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.4M |
| $1.3M |
| $872K |
| $132K |
| $3K |
| 0.49% |
| 4.23% |
| 0.00% |
| 492 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $834K · securities $2K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.3% | 80.6% | 91st |
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 153rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $1.1M* | 0.00% | 153rd |
Illinois: 577th with 0.00% · Chicago-Naperville-Elgin metro: 253rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1