| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +1.3% | +6.6 pts |
| Share growth (YoY) | +8.2% | +0.9% | +7.3 pts |
| Loan growth (YoY) | +0.5% | -2.6% | +3.1 pts |
| ROA | 0.20% | 0.65% | -0.4 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.6M | $2.4M | $1.7M | $195K | $3K | 0.20% | 4.67% | 0.00% | 352 |
| Q1 2026 | $2.6M | $2.4M | $1.7M | $194K | $2K | 0.25% | 4.69% | 0.00% | 352 |
| Q4 2025 | $2.5M | $2.3M | $1.7M | $192K | $986 | 0.04% | 5.30% | 0.23% | 357 |
| Q3 2025 | $2.8M | $2.6M | $1.8M | $193K | $2K | 0.10% | 4.84% | 0.28% | 357 |
| Q2 2025 | $2.4M | $2.3M | $1.7M | $192K | $742 | 0.06% | 5.29% | 2.37% | 358 |
| Q1 2025 | $2.4M | $2.2M | $1.7M | $193K | $2K | 0.26% | 5.03% | 0.00% | 358 |
| Q4 2024 | $2.3M | $2.1M | $1.6M | $191K | $1K | 0.05% | 5.54% | 0.00% | 357 |
| Q3 2024 | $2.3M | $2.1M | $1.6M | $191K | $823 | 0.05% | 5.54% | 0.56% | 360 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.3M |
| $2.1M |
| $1.6M |
| $190K |
| $458 |
| 0.04% |
| 5.45% |
| 0.55% |
| 360 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $403K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.8% | 80.6% | 82nd |
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: Kane, IL, ranked 38th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kane, IL | 1 | $2.4M* | 0.01% | 38th |
Illinois: 560th with 0.00% · Chicago-Naperville-Elgin metro: 243rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1