| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.3% | +1.3% | +12.0 pts |
| Share growth (YoY) | +18.7% | +0.9% | +17.8 pts |
| Loan growth (YoY) | +4.3% | -2.6% | +6.9 pts |
| ROA | 1.13% | 0.65% | +0.5 pts |
| ROE | 8.0% | 4.4% | +3.7 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.7M | $54.4M | $30.6M | $8.6M | $347K | 1.13% | 4.09% | 0.69% | 4,843 |
| Q1 2026 | $58.9M | $51.5M | $28.4M | $8.3M | $51K | 0.34% | 4.07% | 0.76% | 4,770 |
| Q4 2025 | $55.1M | $47.9M | $28.0M | $8.3M | $604K | 1.10% | 4.32% | 0.68% | 4,746 |
| Q3 2025 | $54.0M | $46.6M | $28.8M | $8.1M | $434K | 1.07% | 4.39% | 0.41% | 4,800 |
| Q2 2025 | $54.4M | $45.8M | $29.3M | $7.9M | $227K | 0.83% | 4.30% | 1.26% | 4,832 |
| Q1 2025 | $55.9M | $47.3M | $29.9M | $7.8M | $128K | 0.92% | 4.13% | 0.37% | 4,814 |
| Q4 2024 | $53.9M | $45.6M | $30.2M | $7.7M | $471K | 0.87% | 3.98% | 0.72% | 4,791 |
| Q3 2024 | $53.5M | $45.2M | $31.0M | $7.6M | $353K | 0.88% | 3.94% | 0.65% |
| Ratio | Fieldstone Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,856 |
| Q2 2024 | $52.7M | $45.2M | $30.5M | $7.5M | $247K | 0.94% | 3.90% | 0.73% | 4,860 |
Loan mix (Q2 2026): real estate $9.6M · commercial $0 · consumer $20.2M · securities $26.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 80.6% | 38th |
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 | Fieldstone Credit Union | 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 | Fieldstone Credit Union | 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 | Fieldstone Credit Union | 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 | Fieldstone Credit Union | 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 | Fieldstone Credit Union | 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: Kankakee, IL, ranked 13th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kankakee, IL | 1 | $54.4M* | 1.72% | 13th |
Illinois: 422nd with 0.01% · Kankakee metro: 13th, 1.72% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1