| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -3.7% | +0.9% | -4.6 pts |
| Loan growth (YoY) | -1.6% | -2.6% | +1.0 pts |
| ROA | 0.39% | 0.65% | -0.3 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.9M | $43.8M | $30.9M | $7.2M | $101K | 0.39% | 4.25% | 0.54% | 6,949 |
| Q1 2026 | $51.6M | $43.7M | $29.8M | $7.1M | $820 | 0.01% | 4.27% | 0.70% | 6,913 |
| Q4 2025 | $52.1M | $43.9M | $29.8M | $7.1M | $138K | 0.26% | 3.96% | 1.03% | 6,896 |
| Q3 2025 | $52.4M | $44.0M | $30.6M | $7.1M | $124K | 0.32% | 3.94% | 0.40% | 7,013 |
| Q2 2025 | $53.3M | $45.4M | $31.4M | $7.0M | $32K | 0.12% | 3.72% | 0.28% | 7,399 |
| Q1 2025 | $52.9M | $45.5M | $31.2M | $6.9M | $-51K | -0.38% | 3.67% | 0.35% | 7,323 |
| Q4 2024 | $52.7M | $45.0M | $31.7M | $7.0M | $-238K | -0.45% | 3.73% | 0.73% | 7,253 |
| Q3 2024 | $54.7M | $45.7M | $32.0M | $6.9M | $-284K | -0.69% | 3.42% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,206 |
| Q2 2024 | $56.0M | $46.0M | $32.6M | $7.0M | $-196K | -0.70% | 3.20% | 0.61% | 7,103 |
Loan mix (Q2 2026): real estate $22.4M · commercial $0 · consumer $8.4M · securities $11.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 80.6% | 59th |
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: Cook, IL, ranked 117th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $43.8M* | 0.01% | 117th |
Illinois: 437th with 0.01% · Chicago-Naperville-Elgin metro: 185th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2