| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.0 pts |
| Share growth (YoY) | -4.2% | +0.9% | -5.1 pts |
| Loan growth (YoY) | -5.8% | -2.6% | -3.2 pts |
| ROA | 0.92% | 0.65% | +0.3 pts |
| ROE | 5.6% | 4.4% | +1.2 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.4M | $18.5M | $9.8M | $3.7M | $103K | 0.92% | 4.06% | 0.10% | 2,064 |
| Q1 2026 | $23.1M | $19.3M | $9.8M | $3.6M | $49K | 0.85% | 3.86% | 0.28% | 2,094 |
| Q4 2025 | $22.6M | $18.6M | $10.0M | $3.6M | $159K | 0.70% | 3.77% | 0.19% | 2,099 |
| Q3 2025 | $22.6M | $18.9M | $10.0M | $3.5M | $128K | 0.76% | 3.72% | 0.39% | 2,135 |
| Q2 2025 | $23.1M | $19.3M | $10.4M | $3.5M | $78K | 0.68% | 3.54% | 0.23% | 2,154 |
| Q1 2025 | $23.0M | $19.4M | $10.5M | $3.4M | $26K | 0.46% | 3.41% | 0.43% | 2,161 |
| Q4 2024 | $22.5M | $18.8M | $10.7M | $3.4M | $36K | 0.16% | 3.02% | 0.48% | 2,166 |
| Q3 2024 | $22.3M | $18.6M | $10.6M | $3.5M | $97K | 0.58% | 3.40% | 0.42% |
| Ratio | Generations Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,188 |
| Q2 2024 | $22.6M | $18.9M | $11.1M | $3.4M | $52K | 0.46% | 3.34% | 0.16% | 2,199 |
Loan mix (Q2 2026): real estate $3.5M · commercial $0 · consumer $6.1M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 80.6% | 48th |
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 | Generations Credit Union | 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 | Generations Credit Union | 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 | Generations Credit Union | 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 | Generations Credit Union | 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 | Generations Credit Union | 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 1 county across 1 state (+2 vs 2025). Biggest market: Winnebago, IL, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Winnebago, IL | 4 | $18.5M* | 0.19% | 28th |
Illinois: 499th with 0.00% · Rockford metro: 31st, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 2 · 2025 2 · 2026 4