| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +3.9% | +6.0 pts |
| Share growth (YoY) | +10.3% | +3.3% | +7.0 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.4 pts |
| ROA | 2.46% | 0.69% | +1.8 pts |
| ROE | 9.8% | 5.9% | +3.8 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $111.3M | $82.5M | $77.3M | $28.1M | $685K | 2.46% | 4.11% | 0.10% | 7,470 |
| Q4 2025 | $104.8M | $76.5M | $77.3M | $27.4M | $2.0M | 1.91% | 4.29% | 0.14% | 7,404 |
| Q3 2025 | $102.7M | $75.0M | $76.8M | $26.9M | $1.6M | 2.14% | 4.36% | 0.14% | 7,341 |
| Q2 2025 | $100.6M | $73.5M | $75.6M | $26.3M | $1.1M | 2.16% | 4.41% | 0.04% | 7,361 |
| Q1 2025 | $101.3M | $74.8M | $73.4M | $25.7M | $529K | 2.09% | 4.39% | 0.04% | 7,264 |
| Q4 2024 | $95.6M | $69.3M | $73.3M | $25.2M | $1.8M | 1.90% | 4.81% | 0.33% | 7,196 |
| Q3 2024 | $92.8M | $66.5M | $72.7M | $25.6M | $2.2M | 3.13% | 4.97% | 0.38% | 7,190 |
| Q2 2024 | $92.3M | $66.1M | $72.1M | $24.9M | $1.5M | 3.19% | 4.96% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.46% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,211 |
Loan mix (Q1 2026): real estate $36.5M · commercial $0 · consumer $38.3M · securities $70K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 78.7% | 12th |
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 (+0 vs 2024). Biggest market: Adams, IL, ranked 7th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adams, IL | 2 | $73.5M* | 3.14% | 7th |
Illinois: 386th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2