| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.5% | +1.3% | +16.2 pts |
| Share growth (YoY) | +16.9% | +0.9% | +16.0 pts |
| Loan growth (YoY) | — | -2.6% | — |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 3.1% | 4.4% | -1.2 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.3M | $5.4M | $0 | $937K | $15K | 0.47% | 2.40% | — | 12,763 |
| Q1 2026 | $6.3M | $5.2M | $0 | $1.0M | $81K | 5.17% | 2.40% | — | 11,106 |
| Q4 2025 | $5.9M | $5.0M | $0 | $922K | $191K | 3.23% | 2.81% | — | 11,838 |
| Q3 2025 | $5.6M | $4.8M | $0 | $815K | $83K | 1.98% | 2.94% | — | 11,283 |
| Q2 2025 | $5.4M | $4.6M | $0 | $779K | $47K | 1.75% | 2.96% | — | 10,743 |
| Q1 2025 | $5.2M | $4.4M | $0 | $777K | $45K | 3.46% | 2.96% | — | 9,670 |
| Q4 2024 | $4.9M | $4.2M | $0 | $732K | $179K | 3.65% | 3.28% | — | 9,118 |
| Q3 2024 | $5.0M | $4.2M | $0 | $709K | $157K | 4.22% | 3.25% | — | 8,719 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $4.4M |
| $3.7M |
| $0 |
| $720K |
| $167K |
| 7.63% |
| 3.57% |
| — |
| 8,169 |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 80.6% | 81st |
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 140th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $5.4M* | 0.00% | 140th |
Illinois: 538th with 0.00% · Chicago-Naperville-Elgin metro: 231st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2023 1 · 2024 1 · 2025 1 · 2026 1