| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +27.8% | +1.3% | +26.5 pts |
| Share growth (YoY) | +33.7% | +0.7% | +33.0 pts |
| Loan growth (YoY) | -30.6% | -2.4% | -28.3 pts |
| ROA | 0.98% | 0.60% | +0.4 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $354K | $293K | $17K | $60K | $864 | 0.98% | 2.06% | 0.00% | 220 |
| Q4 2025 | $368K | $304K | $19K | $63K | $9K | 2.58% | 2.08% | 0.00% | 220 |
| Q3 2025 | $266K | $214K | $22K | $50K | $789 | 0.40% | 1.79% | 4.55% | 260 |
| Q2 2025 | $269K | $218K | $25K | $50K | $606 | 0.45% | 1.93% | 4.45% | 280 |
| Q1 2025 | $277K | $219K | $25K | $57K | $256 | 0.37% | 3.24% | 0.00% | 280 |
| Q4 2024 | $300K | $254K | $21K | $46K | $628 | 0.21% | 1.98% | 1.31% | 435 |
| Q3 2024 | $289K | $240K | $24K | $49K | $3K | 1.51% | 3.00% | 0.00% | 411 |
| Q2 2024 | $288K | $240K | $24K | $48K | $2K | 1.45% | 2.99% | 0.00% | 411 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $17K · securities $215K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 81.5% | 14th |
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: Lake, IL, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, IL | 2 | $218K* | 0.00% | 39th |
Illinois: 598th with 0.00% · Chicago-Naperville-Elgin metro: 272nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2