| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +5.1% | -11.3 pts |
| Share growth (YoY) | -3.9% | +4.9% | -8.7 pts |
| Loan growth (YoY) | -6.7% | +5.4% | -12.1 pts |
| ROA | 0.27% | 0.71% | -0.4 pts |
| ROE | 3.0% | 6.3% | -3.2 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.44B | $1.22B | $1.07B | $128.1M | $977K | 0.27% | 3.11% | 0.82% | 100,458 |
| Q4 2025 | $1.41B | $1.19B | $1.09B | $127.1M | $5.7M | 0.40% | 3.47% | 1.46% | 103,253 |
| Q3 2025 | $1.42B | $1.20B | $1.10B | $129.9M | $5.3M | 0.50% | 3.53% | 1.15% | 110,606 |
| Q2 2025 | $1.46B | $1.23B | $1.12B | $128.2M | $3.8M | 0.51% | 2.87% | 1.17% | 110,903 |
| Q1 2025 | $1.54B | $1.27B | $1.14B | $125.7M | $1.2M | 0.32% | 2.69% | 0.92% | 110,634 |
| Q4 2024 | $1.49B | $1.22B | $1.17B | $124.5M | $-3.1M | -0.21% | 2.51% | 1.09% | 104,810 |
| Q3 2024 | $1.47B | $1.17B | $1.17B | $133.9M | $1.9M | 0.17% | 2.51% | 0.97% | 94,826 |
| Q2 2024 | $1.60B | $1.17B | $1.20B | $136.4M | $1.7M | 0.21% | 2.23% |
| Ratio | Great Lakes Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.71% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 6.3% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 94,473 |
Loan mix (Q1 2026): real estate $745.7M · commercial $205.6M · consumer $107.5M · securities $132.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 73.0% | 91st |
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 | Great Lakes 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 | Great Lakes 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 | Great Lakes 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 | Great Lakes 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 | Great Lakes 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.
22 branches in 6 counties across 1 state (+4 vs 2024). Biggest market: Cook, IL, ranked 50th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 9 | $504.4M* | 0.11% | 50th |
| Lake, IL | 8 | $448.4M* | 1.25% | 18th |
| McHenry, IL | 2 | $112.1M* | 1.07% | 21st |
| 3 more counties with Pro → | ||||
Illinois: 65th with 0.16% · Chicago-Naperville-Elgin metro: 49th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 14 · 2023 14 · 2024 18 · 2025 22