| Metric | Landmark Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.1% | -3.8 pts |
| Share growth (YoY) | +0.5% | +3.5% | -3.1 pts |
| Loan growth (YoY) | -2.3% | +2.9% | -5.2 pts |
| ROA | 0.23% | 0.74% | -0.5 pts |
| ROE | 2.3% | 6.5% | -4.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.1M | $105.9M | $44.3M | $11.8M | $138K | 0.23% | 3.45% | 0.50% | 9,455 |
| Q1 2026 | $122.5M | $109.5M | $45.4M | $11.7M | $39K | 0.13% | 3.34% | 0.48% | 9,610 |
| Q4 2025 | $118.6M | $105.6M | $46.9M | $11.7M | $324K | 0.27% | 3.23% | 0.62% | 9,698 |
| Q3 2025 | $117.2M | $104.0M | $45.9M | $11.6M | $224K | 0.26% | 3.19% | 0.72% | 9,773 |
| Q2 2025 | $118.8M | $105.5M | $45.3M | $11.5M | $117K | 0.20% | 3.03% | 0.72% | 9,831 |
| Q1 2025 | $121.4M | $108.8M | $41.5M | $11.4M | $12K | 0.04% | 2.85% | 0.67% | 9,845 |
| Q4 2024 | $113.8M | $101.2M | $42.9M | $11.4M | $194K | 0.17% | 3.01% | 0.91% | 9,866 |
| Q3 2024 | $115.0M | $102.7M | $44.3M | $11.4M | $178K | 0.21% | 2.96% |
| Ratio | Landmark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.74% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 6.5% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 9,984 |
| Q2 2024 | $116.3M | $103.4M | $42.4M | $11.4M | $152K | 0.26% | 2.89% | 0.81% | 10,082 |
Loan mix (Q2 2026): real estate $4.8M · commercial $0 · consumer $39.2M · securities $55.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.1% | 77.5% | 93rd |
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 | Landmark Credit Union | 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 | Landmark Credit Union | 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 | Landmark Credit Union | 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 | Landmark Credit Union | 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 | Landmark Credit Union | 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 1 county across 1 state (+0 vs 2025). Biggest market: Vermilion, IL, ranked 6th with 5.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Vermilion, IL | 3 | $105.9M* | 5.80% | 6th |
Illinois: 350th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3