| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | +1.3% | -2.4% | +3.7 pts |
| ROA | -3.59% | 0.60% | -4.2 pts |
| ROE | -36.1% | 4.1% | -40.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.5M | $33.7M | $27.3M | $3.7M | $-337K | -3.59% | 4.61% | 1.53% | 4,213 |
| Q4 2025 | $37.4M | $33.6M | $27.8M | $3.7M | $39K | 0.10% | 4.63% | 0.35% | 4,164 |
| Q3 2025 | $37.2M | $33.4M | $28.5M | $3.7M | $27K | 0.10% | 4.64% | 0.84% | 4,196 |
| Q2 2025 | $37.9M | $33.8M | $28.0M | $3.9M | $5K | 0.03% | 4.47% | 0.49% | 4,163 |
| Q1 2025 | $37.8M | $33.7M | $27.0M | $4.0M | $-23K | -0.25% | 4.28% | 0.79% | 4,162 |
| Q4 2024 | $38.3M | $34.4M | $27.1M | $4.1M | $776K | 2.03% | 5.93% | 0.87% | 4,087 |
| Q3 2024 | $39.0M | $35.1M | $27.9M | $4.0M | $557K | 1.91% | 5.69% | 0.34% | 4,115 |
| Q2 2024 | $38.9M | $35.0M | $28.9M | $4.0M | $169K | 0.87% | 4.69% | 0.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.59% | 0.60% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -36.1% | 4.1% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,224 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $21.1M · securities $206K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 131.4% | 81.5% | 96th |
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 2 counties across 1 state (+0 vs 2024). Biggest market: La Salle, IL, ranked 26th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| La Salle, IL | 1 | $16.9M* | 0.37% | 26th |
| Bureau, IL | 1 | $16.9M* | 1.39% | 11th |
Illinois: 455th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2