| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -10.3% | -2.4% | -7.9 pts |
| ROA | 1.50% | 0.60% | +0.9 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.2M | $2.4M | $1.7M | $803K | $12K | 1.50% | 4.12% | 1.55% | 720 |
| Q4 2025 | $3.1M | $2.3M | $1.6M | $791K | $42K | 1.37% | 4.16% | 0.17% | 721 |
| Q3 2025 | $3.3M | $2.6M | $1.8M | $749K | $35K | 1.41% | 3.91% | 0.25% | 685 |
| Q2 2025 | $3.3M | $2.5M | $1.8M | $779K | $25K | 1.51% | 3.85% | 0.31% | 679 |
| Q1 2025 | $3.2M | $2.4M | $1.9M | $762K | $8K | 1.02% | 3.54% | 0.41% | 693 |
| Q4 2024 | $3.0M | $2.3M | $1.8M | $754K | $34K | 1.14% | 4.06% | 0.77% | 680 |
| Q3 2024 | $3.2M | $2.4M | $2.0M | $755K | $35K | 1.47% | 3.74% | 0.45% | 670 |
| Q2 2024 | $3.2M | $2.4M | $2.0M | $746K | $27K | 1.72% | 3.89% | 0.00% | 670 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $724K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 81.5% | 17th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Crawford, IL, ranked 7th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, IL | 1 | $2.5M* | 0.39% | 7th |
Illinois: 562nd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1