| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +10.1% | +0.9% | +9.2 pts |
| Loan growth (YoY) | -7.1% | -2.6% | -4.5 pts |
| ROA | 1.77% | 0.65% | +1.1 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.8M | $40.7M | $24.4M | $16.2M | $502K | 1.77% | 3.19% | 0.23% | 3,664 |
| Q1 2026 | $56.0M | $40.1M | $25.0M | $16.0M | $315K | 2.25% | 3.21% | 0.40% | 3,655 |
| Q4 2025 | $54.1M | $38.6M | $25.6M | $15.7M | $413K | 0.76% | 3.41% | 0.22% | 3,305 |
| Q3 2025 | $53.2M | $37.5M | $26.2M | $15.8M | $557K | 1.40% | 3.47% | 0.02% | 3,329 |
| Q2 2025 | $52.4M | $37.0M | $26.3M | $15.6M | $341K | 1.30% | 3.46% | 0.10% | 3,345 |
| Q1 2025 | $52.0M | $36.7M | $26.4M | $15.4M | $153K | 1.18% | 3.44% | 0.57% | 3,340 |
| Q4 2024 | $50.4M | $35.3M | $27.3M | $15.3M | $513K | 1.02% | 3.45% | 0.70% | 3,329 |
| Q3 2024 | $50.3M | $35.3M | $28.0M | $15.2M | $417K | 1.10% | 3.42% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,364 |
| Q2 2024 | $50.0M | $35.1M | $28.4M | $15.1M | $303K | 1.21% | 3.38% | 0.31% | 3,361 |
Loan mix (Q2 2026): real estate $625K · commercial $0 · consumer $23.7M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.3% | 80.6% | 2nd |
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: Knox, IL, ranked 12th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Knox, IL | 1 | $40.7M* | 1.66% | 12th |
Illinois: 445th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1