| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.1% | +3.0 pts |
| Share growth (YoY) | +10.4% | +3.5% | +6.9 pts |
| Loan growth (YoY) | +7.2% | +2.9% | +4.4 pts |
| ROA | 0.16% | 0.74% | -0.6 pts |
| ROE | 1.5% | 6.5% | -5.0 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.3M | $102.2M | $93.2M | $12.8M | $95K | 0.16% | 4.06% | 0.87% | 10,026 |
| Q1 2026 | $121.4M | $103.3M | $95.9M | $12.6M | $-20K | -0.07% | 4.07% | 0.67% | 10,152 |
| Q4 2025 | $120.3M | $101.1M | $96.2M | $12.7M | $777K | 0.65% | 3.65% | 1.06% | 10,173 |
| Q3 2025 | $121.9M | $95.9M | $94.7M | $12.6M | $734K | 0.80% | 3.49% | 1.02% | 10,016 |
| Q2 2025 | $112.3M | $92.6M | $86.9M | $12.5M | $502K | 0.89% | 3.64% | 0.49% | 9,544 |
| Q1 2025 | $105.6M | $93.4M | $75.0M | $12.2M | $237K | 0.90% | 3.72% | 0.42% | 9,253 |
| Q4 2024 | $100.7M | $88.4M | $76.3M | $12.0M | $674K | 0.67% | 3.66% | 0.74% | 9,226 |
| Q3 2024 | $101.2M | $89.1M | $75.3M | $11.7M | $409K | 0.54% | 3.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.74% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 6.5% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 9,249 |
| Q2 2024 | $100.7M | $88.9M | $75.9M | $11.5M | $135K | 0.27% | 3.52% | 0.43% | 9,267 |
Loan mix (Q2 2026): real estate $14.8M · commercial $0 · consumer $73.9M · securities $20.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 77.5% | 20th |
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 (-1 vs 2025). Biggest market: Sangamon, IL, ranked 20th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sangamon, IL | 2 | $102.2M* | 0.93% | 20th |
Illinois: 358th with 0.01% · Springfield metro: 21st, 0.90% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 3 · 2025 3 · 2026 2