| Metric | Mt. Zion Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +8.8% | +0.9% | +7.8 pts |
| Loan growth (YoY) | -10.6% | -2.6% | -7.9 pts |
| ROA | 3.93% | 0.65% | +3.3 pts |
| ROE | 20.8% | 4.4% | +16.4 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $428K | $347K | $78K | $81K | $8K | 3.93% | 5.41% | 3.97% | 199 |
| Q1 2026 | $435K | $362K | $83K | $73K | $329 | 0.30% | 1.82% | 5.44% | 163 |
| Q4 2025 | $415K | $343K | $85K | $72K | $3K | 0.73% | 2.19% | 6.17% | 164 |
| Q3 2025 | $399K | $326K | $81K | $73K | $4K | 1.35% | 2.97% | 7.30% | 202 |
| Q2 2025 | $392K | $319K | $88K | $74K | $4K | 2.15% | 3.91% | 7.23% | 201 |
| Q1 2025 | $376K | $302K | $53K | $75K | $4K | 4.36% | 5.95% | 13.89% | 211 |
| Q4 2024 | $334K | $264K | $41K | $69K | $3K | 0.95% | 2.45% | 19.13% | 214 |
| Q3 2024 | $316K | $246K | $41K | $70K | $4K | 1.65% | 2.73% | 21.69% | 211 |
| Ratio | Mt. Zion Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.93% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $320K |
| $251K |
| $45K |
| $69K |
| $3K |
| 1.69% |
| 2.96% |
| 23.39% |
| 211 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $42K · securities $232K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 27.6% | 80.6% | 0th |
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 | Mt. Zion Credit Union | 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 | Mt. Zion Credit Union | 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 | Mt. Zion Credit Union | 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 | Mt. Zion Credit Union | 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 | Mt. Zion Credit Union | 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: Lake, IL, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, IL | 1 | $347K* | 0.00% | 39th |
Illinois: 590th with 0.00% · Chicago-Naperville-Elgin metro: 265th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1