| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.3 pts |
| Share growth (YoY) | +4.0% | +0.9% | +3.1 pts |
| Loan growth (YoY) | +4.1% | -2.6% | +6.7 pts |
| ROA | 1.79% | 0.65% | +1.1 pts |
| ROE | 12.2% | 4.4% | +7.9 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.0M | $15.1M | $16.5M | $2.6M | $161K | 1.79% | 5.84% | 1.01% | 2,210 |
| Q1 2026 | $18.3M | $15.6M | $16.7M | $2.5M | $68K | 1.48% | 5.70% | 0.29% | 2,187 |
| Q4 2025 | $18.5M | $15.3M | $16.5M | $2.5M | $281K | 1.51% | 5.57% | 1.33% | 2,178 |
| Q3 2025 | $18.6M | $14.4M | $16.6M | $2.4M | $225K | 1.61% | 5.53% | 0.78% | 2,195 |
| Q2 2025 | $18.2M | $14.5M | $15.8M | $2.4M | $162K | 1.78% | 5.60% | 1.08% | 2,161 |
| Q1 2025 | $17.6M | $15.2M | $15.1M | $2.3M | $95K | 2.17% | 5.68% | 0.94% | 2,176 |
| Q4 2024 | $17.3M | $14.9M | $14.8M | $2.2M | $389K | 2.25% | 5.57% | 1.05% | 2,177 |
| Q3 2024 | $17.4M | $14.7M | $14.3M | $2.1M | $295K | 2.26% | 5.46% | 1.52% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 4.4% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,174 |
| Q2 2024 | $17.7M | $15.4M | $14.5M | $2.0M | $188K | 2.11% | 5.28% | 1.11% | 2,187 |
Loan mix (Q2 2026): real estate $5.1M · commercial $0 · consumer $10.6M · securities $510K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 80.6% | 25th |
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: DeKalb, IL, ranked 12th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| DeKalb, IL | 1 | $15.1M* | 0.48% | 12th |
Illinois: 506th with 0.00% · Chicago-Naperville-Elgin metro: 214th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1