| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.3 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.2 pts |
| Loan growth (YoY) | +4.9% | -2.6% | +7.5 pts |
| ROA | 1.57% | 0.65% | +0.9 pts |
| ROE | 10.1% | 4.4% | +5.7 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.1M | $64.9M | $52.2M | $11.9M | $605K | 1.57% | 4.77% | 0.93% | 8,676 |
| Q1 2026 | $77.8M | $65.9M | $51.6M | $11.6M | $285K | 1.46% | 4.68% | 0.91% | 8,560 |
| Q4 2025 | $77.0M | $63.4M | $54.3M | $11.3M | $1.2M | 1.51% | 4.64% | 0.75% | 8,470 |
| Q3 2025 | $75.5M | $61.9M | $52.1M | $11.1M | $894K | 1.58% | 4.60% | 0.78% | 8,398 |
| Q2 2025 | $74.5M | $63.6M | $49.7M | $10.8M | $580K | 1.56% | 4.57% | 0.96% | 8,342 |
| Q1 2025 | $75.6M | $65.1M | $48.2M | $10.4M | $279K | 1.47% | 4.39% | 1.06% | 8,324 |
| Q4 2024 | $74.5M | $64.3M | $49.4M | $10.2M | $1.2M | 1.54% | 4.19% | 1.12% | 8,197 |
| Q3 2024 | $71.6M | $61.6M | $47.3M | $9.9M | $861K | 1.60% | 4.26% | 0.92% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,095 |
| Q2 2024 | $71.2M | $61.6M | $46.9M | $9.6M | $552K | 1.55% | 4.23% | 0.72% | 8,026 |
Loan mix (Q2 2026): real estate $25.5M · commercial $0 · consumer $26.6M · securities $22.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 80.6% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cook, IL, ranked 107th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $64.9M* | 0.01% | 107th |
Illinois: 407th with 0.01% · Chicago-Naperville-Elgin metro: 170th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1