| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.9% | +1.3 pts |
| Share growth (YoY) | +4.3% | +3.3% | +1.0 pts |
| Loan growth (YoY) | +5.2% | +2.9% | +2.3 pts |
| ROA | 0.67% | 0.69% | -0.0 pts |
| ROE | 6.7% | 5.9% | +0.8 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $132.0M | $117.7M | $84.9M | $13.2M | $222K | 0.67% | 2.98% | 0.27% | 5,533 |
| Q4 2025 | $128.0M | $113.2M | $85.0M | $13.0M | $774K | 0.60% | 2.65% | 0.67% | 5,526 |
| Q3 2025 | $125.7M | $112.0M | $82.5M | $13.1M | $846K | 0.90% | 2.83% | 0.70% | 5,564 |
| Q2 2025 | $125.6M | $112.5M | $82.7M | $12.8M | $531K | 0.85% | 2.76% | 0.61% | 5,588 |
| Q1 2025 | $125.5M | $112.8M | $80.7M | $12.5M | $206K | 0.66% | 2.70% | 0.45% | 5,580 |
| Q4 2024 | $121.7M | $109.7M | $81.9M | $12.3M | $395K | 0.32% | 2.63% | 0.63% | 5,604 |
| Q3 2024 | $119.9M | $107.8M | $81.4M | $12.3M | $430K | 0.48% | 2.65% | 0.47% | 5,631 |
| Q2 2024 | $120.3M | $108.9M | $79.6M | $12.0M | $144K | 0.24% | 2.60% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.96% |
| 5,656 |
Loan mix (Q1 2026): real estate $50.9M · commercial $0 · consumer $27.9M · securities $33.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 78.7% | 42nd |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Rock Island, IL, ranked 14th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rock Island, IL | 2 | $112.5M* | 2.10% | 14th |
Illinois: 331st with 0.01% · Davenport-Moline-Rock Island metro: 28th, 0.76% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2