| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +1.3% | +8.2 pts |
| Share growth (YoY) | +9.0% | +0.9% | +8.1 pts |
| Loan growth (YoY) | -0.5% | -2.6% | +2.1 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 10.7% | 4.4% | +6.3 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.0M | $71.0M | $41.0M | $7.7M | $414K | 1.04% | 3.57% | 0.83% | 3,310 |
| Q1 2026 | $78.7M | $70.1M | $39.2M | $7.4M | $144K | 0.73% | 3.49% | 0.71% | 3,292 |
| Q4 2025 | $77.0M | $68.6M | $40.5M | $7.3M | $800K | 1.04% | 3.62% | 0.55% | 3,276 |
| Q3 2025 | $72.0M | $63.7M | $41.7M | $7.1M | $613K | 1.14% | 3.84% | 0.28% | 3,267 |
| Q2 2025 | $73.1M | $65.2M | $41.2M | $6.9M | $391K | 1.07% | 3.69% | 0.23% | 3,273 |
| Q1 2025 | $73.4M | $65.8M | $38.7M | $6.7M | $164K | 0.89% | 3.53% | 0.69% | 3,262 |
| Q4 2024 | $69.7M | $62.2M | $37.6M | $6.5M | $674K | 0.97% | 3.68% | 0.88% | 3,257 |
| Q3 2024 | $70.0M | $62.6M | $38.1M | $6.4M | $526K | 1.00% | 3.64% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,261 |
| Q2 2024 | $68.9M | $61.6M | $38.3M | $6.2M | $357K | 1.04% | 3.68% | 0.39% | 3,251 |
Loan mix (Q2 2026): real estate $22.2M · commercial $0 · consumer $18.4M · securities $26.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 80.6% | 40th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Hillsborough, FL, ranked 62nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hillsborough, FL | 1 | $35.5M* | 0.06% | 62nd |
| Cook, IL | 1 | $35.5M* | 0.01% | 120th |
Illinois: 451st with 0.00% · Florida: 277th with 0.00% · Chicago-Naperville-Elgin metro: 196th, 0.01% · Tampa-St. Petersburg-Clearwater metro: 76th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2