| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +2.8% | +0.9% | +1.9 pts |
| Loan growth (YoY) | -1.4% | -2.6% | +1.3 pts |
| ROA | 0.20% | 0.65% | -0.4 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.7M | $11.8M | $5.0M | $906K | $13K | 0.20% | 4.26% | 1.83% | 1,053 |
| Q1 2026 | $12.2M | $11.2M | $4.9M | $909K | $16K | 0.52% | 4.34% | 1.63% | 1,175 |
| Q4 2025 | $12.2M | $11.2M | $4.8M | $893K | $13K | 0.10% | 4.16% | 1.70% | 1,176 |
| Q3 2025 | $12.3M | $11.3M | $5.0M | $910K | $22K | 0.24% | 4.00% | 1.74% | 1,183 |
| Q2 2025 | $12.4M | $11.5M | $5.0M | $913K | $25K | 0.41% | 3.94% | 1.10% | 1,186 |
| Q1 2025 | $12.4M | $11.5M | $4.8M | $890K | $2K | 0.08% | 3.69% | 0.16% | 1,182 |
| Q4 2024 | $10.7M | $9.7M | $4.8M | $888K | $10K | 0.10% | 4.04% | 0.24% | 1,245 |
| Q3 2024 | $10.8M | $9.6M | $4.9M | $903K | $18K | 0.22% | 3.94% | 0.14% | 1,260 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.0M | $10.0M | $4.9M | $906K | $21K | 0.38% | 3.98% | 0.30% | 1,265 |
Loan mix (Q2 2026): real estate $13K · commercial $0 · consumer $4.8M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.9% | 80.6% | 77th |
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: Sangamon, IL, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sangamon, IL | 1 | $11.8M* | 0.11% | 30th |
Illinois: 514th with 0.00% · Springfield metro: 31st, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1