| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -11.3% | +0.9% | -12.3 pts |
| Loan growth (YoY) | -21.9% | -2.6% | -19.3 pts |
| ROA | 3.21% | 0.65% | +2.6 pts |
| ROE | 20.7% | 4.4% | +16.3 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.0M | $1.4M | $505K | $310K | $32K | 3.21% | 3.35% | 0.00% | 235 |
| Q1 2026 | $2.2M | $1.6M | $542K | $294K | $16K | 2.96% | 3.20% | 5.63% | 238 |
| Q4 2025 | $2.3M | $1.7M | $653K | $278K | $51K | 2.25% | 2.60% | 0.00% | 235 |
| Q3 2025 | $2.1M | $1.6M | $653K | $284K | $48K | 2.96% | 3.38% | 0.00% | 230 |
| Q2 2025 | $2.1M | $1.6M | $646K | $269K | $16K | 1.56% | 1.73% | 0.00% | 223 |
| Q1 2025 | $2.1M | $1.5M | $669K | $248K | $16K | 3.15% | 3.50% | 0.00% | 223 |
| Q4 2024 | $2.0M | $1.6M | $661K | $232K | $28K | 1.39% | 3.32% | 0.00% | 225 |
| Q3 2024 | $1.9M | $1.5M | $626K | $249K | $44K | 3.06% | 4.15% | 0.00% | 222 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.21% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.9M | $1.5M | $620K | $232K | $28K | 3.00% | 4.22% | 0.00% | 220 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $301K · securities $327K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 4.5% | 80.6% | 0th |
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 2025). Biggest market: Cook, IL, ranked 150th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $1.4M* | 0.00% | 150th |
Illinois: 572nd with 0.00% · Chicago-Naperville-Elgin metro: 250th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1