| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -2.2% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -11.6% | -2.4% | -9.2 pts |
| ROA | -1.13% | 0.60% | -1.7 pts |
| ROE | -7.0% | 4.1% | -11.1 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.6M | $264K | $311K | $-5K | -1.13% | 3.33% | 0.00% | 150 |
| Q4 2025 | $2.1M | $1.7M | $282K | $318K | $5K | 0.26% | 1.75% | 0.00% | 151 |
| Q3 2025 | $2.1M | $1.7M | $282K | $326K | $13K | 0.81% | 2.75% | 0.00% | 153 |
| Q2 2025 | $2.0M | $1.6M | $274K | $315K | $801 | 0.08% | 2.72% | 0.00% | 150 |
| Q1 2025 | $1.9M | $1.6M | $299K | $309K | $-6K | -1.31% | 3.19% | 0.00% | 151 |
| Q4 2024 | $2.1M | $1.7M | $311K | $318K | $6K | 0.28% | 1.82% | 0.00% | 153 |
| Q3 2024 | $2.1M | $1.7M | $301K | $329K | $16K | 1.01% | 3.04% | 0.00% | 155 |
| Q2 2024 | $2.3M | $1.9M | $327K | $319K | $3K | 0.26% | 2.71% | 0.00% | 155 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $264K · securities $1.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.13% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -7.0% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 130.5% | 81.5% | 96th |
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 2024). Biggest market: Cook, IL, ranked 147th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $1.6M* | 0.00% | 147th |
Illinois: 569th with 0.00% · Chicago-Naperville-Elgin metro: 246th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1