| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +3.9% | -3.9 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.4 pts |
| ROA | 0.70% | 0.69% | +0.0 pts |
| ROE | 6.7% | 5.9% | +0.8 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $335.0M | $292.8M | $228.1M | $35.1M | $588K | 0.70% | 4.06% | 0.63% | 21,345 |
| Q4 2025 | $327.1M | $286.8M | $227.5M | $34.5M | $2.3M | 0.69% | 4.09% | 0.92% | 21,265 |
| Q3 2025 | $322.4M | $283.8M | $222.2M | $33.8M | $1.6M | 0.64% | 4.09% | 0.88% | 21,347 |
| Q2 2025 | $329.1M | $291.5M | $218.8M | $33.3M | $1.1M | 0.65% | 3.96% | 0.70% | 21,589 |
| Q1 2025 | $335.0M | $298.8M | $216.5M | $32.5M | $274K | 0.33% | 3.80% | 0.70% | 21,824 |
| Q4 2024 | $336.4M | $301.2M | $217.7M | $32.3M | $3.5M | 1.03% | 3.55% | 0.73% | 21,869 |
| Q3 2024 | $329.7M | $294.3M | $219.3M | $32.0M | $3.3M | 1.32% | 3.56% | 0.86% | 22,106 |
| Q2 2024 | $337.7M | $304.5M | $217.5M | $31.7M | $3.0M | 1.75% | 3.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.69% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.84% |
| 22,330 |
Loan mix (Q1 2026): real estate $141.9M · commercial $0 · consumer $85.7M · securities $67.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 78.7% | 61st |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Cook, IL, ranked 74th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 3 | $218.6M* | 0.05% | 74th |
| Winnebago, IL | 1 | $72.9M* | 0.79% | 20th |
Illinois: 198th with 0.04% · Chicago-Naperville-Elgin metro: 120th, 0.03% · Rockford metro: 22nd, 0.72% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4