| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.7 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.4 pts |
| ROA | 0.72% | 0.65% | +0.1 pts |
| ROE | 6.1% | 4.4% | +1.7 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.5M | $4.0M | $2.8M | $535K | $16K | 0.72% | 3.36% | 0.00% | 595 |
| Q1 2026 | $4.5M | $4.0M | $2.9M | $526K | $7K | 0.61% | 3.41% | 0.00% | 600 |
| Q4 2025 | $4.4M | $3.9M | $3.0M | $521K | $22K | 0.49% | 2.92% | 0.00% | 596 |
| Q3 2025 | $4.4M | $3.9M | $2.9M | $521K | $22K | 0.66% | 3.10% | 0.00% | 593 |
| Q2 2025 | $4.5M | $4.0M | $2.9M | $507K | $9K | 0.42% | 2.93% | 0.00% | 599 |
| Q1 2025 | $4.6M | $4.1M | $2.9M | $502K | $9K | 0.77% | 3.41% | 0.00% | 598 |
| Q4 2024 | $4.7M | $4.2M | $2.9M | $498K | $23K | 0.48% | 2.70% | 0.00% | 599 |
| Q3 2024 | $4.7M | $4.2M | $2.9M | $509K | $29K | 0.81% | 3.02% | 0.49% | 602 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.7M |
| $4.2M |
| $3.2M |
| $504K |
| $20K |
| 0.84% |
| 3.03% |
| 0.23% |
| 606 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $660K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 80.6% | 45th |
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: McLean, IL, ranked 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLean, IL | 1 | $4.0M* | 0.04% | 35th |
Illinois: 550th with 0.00% · Bloomington metro: 35th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1