| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.9% | -1.5 pts |
| Share growth (YoY) | +1.5% | +3.3% | -1.8 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | 0.44% | 0.69% | -0.3 pts |
| ROE | 3.1% | 5.9% | -2.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $486.4M | $407.7M | $338.7M | $69.4M | $534K | 0.44% | 3.35% | 0.58% | 29,705 |
| Q4 2025 | $479.4M | $397.1M | $336.6M | $68.9M | $2.6M | 0.54% | 3.42% | 0.56% | 29,908 |
| Q3 2025 | $473.5M | $391.6M | $338.9M | $68.6M | $2.2M | 0.62% | 3.43% | 0.50% | 30,317 |
| Q2 2025 | $475.5M | $400.6M | $337.9M | $67.9M | $1.5M | 0.62% | 3.39% | 0.29% | 30,575 |
| Q1 2025 | $474.9M | $401.9M | $325.9M | $66.9M | $500K | 0.42% | 3.34% | 0.24% | 30,905 |
| Q4 2024 | $464.8M | $395.0M | $323.9M | $66.4M | $3.4M | 0.73% | 3.29% | 0.29% | 31,260 |
| Q3 2024 | $467.3M | $393.7M | $315.1M | $65.0M | $1.8M | 0.53% | 3.25% | 0.33% | 31,876 |
| Q2 2024 | $455.7M | $385.5M | $309.5M | $64.5M | $1.3M | 0.59% | 3.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.69% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 32,035 |
Loan mix (Q1 2026): real estate $153.1M · commercial $23.0M · consumer $154.4M · securities $97.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 78.7% | 49th |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Cook, IL, ranked 77th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $200.3M* | 0.04% | 77th |
| DuPage, IL | 2 | $200.3M* | 0.37% | 28th |
Illinois: 156th with 0.05% · Chicago-Naperville-Elgin metro: 92nd, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 4 · 2024 4 · 2025 4