| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -2.5% | +0.9% | -3.5 pts |
| Loan growth (YoY) | -22.8% | -2.6% | -20.2 pts |
| ROA | -0.68% | 0.65% | -1.3 pts |
| ROE | -4.5% | 4.4% | -8.9 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.0M | $4.3M | $1.1M | $757K | $-17K | -0.68% | 5.04% | 3.22% | 790 |
| Q1 2026 | $4.9M | $4.2M | $1.3M | $764K | $-10K | -0.79% | 5.20% | 4.70% | 795 |
| Q4 2025 | $4.9M | $4.2M | $1.4M | $774K | $-12K | -0.24% | 5.59% | 2.29% | 808 |
| Q3 2025 | $5.0M | $4.4M | $1.5M | $780K | $-5K | -0.15% | 5.38% | 2.47% | 835 |
| Q2 2025 | $5.1M | $4.4M | $1.5M | $782K | $-4K | -0.14% | 5.38% | 0.68% | 858 |
| Q1 2025 | $5.1M | $4.4M | $1.5M | $780K | $-6K | -0.48% | 5.56% | 0.62% | 858 |
| Q4 2024 | $5.1M | $4.4M | $1.6M | $786K | $-37K | -0.71% | 5.68% | 2.81% | 870 |
| Q3 2024 | $5.1M | $4.3M | $1.6M | $806K | $-16K | -0.42% | 5.85% | 2.24% | 892 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.68% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -4.5% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.3M | $4.5M | $1.7M | $815K | $-7K | -0.26% | 5.65% | 2.63% | 904 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.4% | 80.6% | 92nd |
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 142nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $4.3M* | 0.00% | 142nd |
Illinois: 547th with 0.00% · Chicago-Naperville-Elgin metro: 233rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1