| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +3.3% | +0.9% | +2.4 pts |
| Loan growth (YoY) | +12.8% | -2.6% | +15.4 pts |
| ROA | -0.01% | 0.65% | -0.7 pts |
| ROE | -0.2% | 4.4% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $66.6M | $61.0M | $51.8M | $6.3M | $-5K | -0.01% | 2.57% | 1.27% | 2,365 |
| Q1 2026 | $65.4M | $59.7M | $49.5M | $6.3M | $2K | 0.01% | 2.58% | 0.95% | 2,424 |
| Q4 2025 | $65.3M | $59.7M | $48.1M | $6.4M | $36K | 0.05% | 2.59% | 0.92% | 2,403 |
| Q3 2025 | $64.8M | $59.1M | $48.1M | $6.4M | $60K | 0.12% | 2.59% | 0.63% | 2,499 |
| Q2 2025 | $64.9M | $59.1M | $45.9M | $6.4M | $62K | 0.19% | 2.51% | 0.73% | 2,513 |
| Q1 2025 | $64.8M | $59.0M | $44.8M | $6.4M | $54K | 0.33% | 2.46% | 0.64% | 2,528 |
| Q4 2024 | $65.9M | $60.3M | $45.4M | $6.5M | $-149K | -0.23% | 2.10% | 0.71% | 2,579 |
| Q3 2024 | $65.2M | $59.4M | $44.6M | $6.5M | $-89K | -0.18% | 2.07% | 0.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,641 |
| Q2 2024 | $66.5M | $60.9M | $43.9M | $6.5M | $-85K | -0.26% | 1.94% | 0.19% | 2,656 |
Loan mix (Q2 2026): real estate $30.9M · commercial $10.2M · consumer $10.2M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 80.6% | 83rd |
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.
4 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Cook, IL, ranked 115th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 3 | $45.8M* | 0.01% | 115th |
| Collin, TX | 1 | $15.3M* | 0.03% | 107th |
Illinois: 436th with 0.01% · Texas: 759th with 0.00% · Chicago-Naperville-Elgin metro: 184th, 0.01% · Dallas-Fort Worth-Arlington metro: 251st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4