| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -3.8% | -2.4% | -1.4 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.8M | $7.8M | $8.8M | $1.9M | $13K | 0.54% | 4.02% | 0.81% | 679 |
| Q4 2025 | $9.9M | $7.9M | $8.9M | $1.9M | $-15K | -0.15% | 3.91% | 0.85% | 674 |
| Q3 2025 | $10.4M | $8.5M | $8.5M | $1.8M | $-42K | -0.54% | 3.69% | 0.00% | 674 |
| Q2 2025 | $10.2M | $8.2M | $8.9M | $1.8M | $-62K | -1.22% | 3.73% | 0.00% | 702 |
| Q1 2025 | $10.0M | $8.0M | $9.1M | $1.9M | $6K | 0.24% | 3.66% | 1.11% | 698 |
| Q4 2024 | $10.7M | $8.7M | $9.5M | $1.9M | $39K | 0.37% | 3.22% | 1.08% | 695 |
| Q3 2024 | $10.6M | $8.6M | $9.5M | $1.9M | $40K | 0.50% | 3.25% | 1.19% | 702 |
| Q2 2024 | $11.0M | $9.0M | $10.0M | $1.9M | $32K | 0.58% | 3.21% | 0.00% | 716 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $7.4M · consumer $1.3M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 81.5% | 60th |
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: Sangamon, IL, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sangamon, IL | 1 | $8.2M* | 0.08% | 33rd |
Illinois: 533rd with 0.00% · Springfield metro: 34th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1