| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +8.6% | +0.7% | +8.0 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.1 pts |
| ROA | -0.54% | 0.60% | -1.1 pts |
| ROE | -6.8% | 4.1% | -10.9 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.0M | $26.4M | $17.4M | $2.3M | $-39K | -0.54% | 4.96% | 1.55% | 3,462 |
| Q4 2025 | $28.4M | $25.7M | $18.2M | $2.4M | $-134K | -0.47% | 4.56% | 1.37% | 3,630 |
| Q3 2025 | $27.5M | $24.8M | $18.6M | $2.4M | $-106K | -0.51% | 4.63% | 1.08% | 3,588 |
| Q2 2025 | $27.6M | $24.9M | $18.8M | $2.6M | $18K | 0.13% | 4.67% | 1.47% | 3,620 |
| Q1 2025 | $27.0M | $24.3M | $18.2M | $2.6M | $-27K | -0.40% | 4.65% | 1.44% | 3,600 |
| Q4 2024 | $26.7M | $23.8M | $18.1M | $2.6M | $177K | 0.66% | 4.85% | 0.85% | 3,612 |
| Q3 2024 | $26.7M | $23.9M | $17.8M | $2.7M | $48K | 0.24% | 4.99% | 0.78% | 3,595 |
| Q2 2024 | $27.1M | $24.3M | $16.7M | $2.5M | $111K | 0.82% | 4.63% | 1.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.54% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -6.8% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,600 |
Loan mix (Q1 2026): real estate $689K · commercial $0 · consumer $14.4M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.7% | 81.5% | 88th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Marion, IL, ranked 15th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IL | 2 | $16.6M* | 1.47% | 15th |
| Jefferson, IL | 1 | $8.3M* | 0.78% | 10th |
Illinois: 475th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3