| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -9.7% | -2.4% | -7.3 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.4M | $7.8M | $1.7M | $1.6M | $5K | 0.20% | 4.25% | 5.02% | 1,097 |
| Q4 2025 | $9.6M | $8.0M | $1.8M | $1.6M | $23K | 0.24% | 4.39% | 2.62% | 1,003 |
| Q3 2025 | $9.6M | $8.0M | $1.7M | $1.6M | $37K | 0.51% | 4.54% | 6.21% | 1,015 |
| Q2 2025 | $9.4M | $7.8M | $1.8M | $1.6M | $24K | 0.52% | 4.61% | 3.37% | 1,040 |
| Q1 2025 | $9.3M | $7.7M | $1.9M | $1.6M | $17K | 0.71% | 4.89% | 3.83% | 1,051 |
| Q4 2024 | $9.3M | $7.7M | $2.0M | $1.5M | $30K | 0.33% | 4.93% | 3.56% | 1,046 |
| Q3 2024 | $9.5M | $7.9M | $1.9M | $1.5M | $40K | 0.57% | 4.86% | 5.03% | 1,050 |
| Q2 2024 | $9.7M | $8.2M | $1.9M | $1.5M | $33K | 0.67% | 4.77% | 3.77% | 1,050 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 81.5% | 80th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Cook, IL, ranked 135th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $7.8M* | 0.00% | 135th |
Illinois: 534th with 0.00% · Chicago-Naperville-Elgin metro: 229th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1