| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.0 pts |
| Loan growth (YoY) | +11.3% | -2.4% | +13.7 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.2M | $34.7M | $17.6M | $5.6M | $82K | 0.82% | 2.55% | 0.04% | 1,769 |
| Q4 2025 | $39.7M | $34.2M | $17.6M | $5.5M | $513K | 1.29% | 2.79% | 0.20% | 1,778 |
| Q3 2025 | $38.8M | $33.4M | $17.2M | $5.4M | $427K | 1.47% | 3.03% | 0.05% | 1,776 |
| Q2 2025 | $39.1M | $33.8M | $16.9M | $5.3M | $284K | 1.45% | 3.01% | 0.11% | 1,766 |
| Q1 2025 | $38.2M | $33.1M | $15.8M | $5.1M | $150K | 1.57% | 3.12% | 0.06% | 1,762 |
| Q4 2024 | $37.9M | $32.9M | $14.9M | $5.0M | $590K | 1.56% | 2.99% | 0.11% | 1,762 |
| Q3 2024 | $37.2M | $32.4M | $14.7M | $4.9M | $467K | 1.67% | 3.14% | 0.12% | 1,764 |
| Q2 2024 | $38.2M | $33.6M | $15.0M | $4.7M | $283K | 1.48% | 2.98% | 0.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,772 |
Loan mix (Q1 2026): real estate $4.2M · commercial $0 · consumer $12.9M · securities $20.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 81.5% | 22nd |
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 2024). Biggest market: Cook, IL, ranked 122nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $33.8M* | 0.01% | 122nd |
Illinois: 454th with 0.00% · Chicago-Naperville-Elgin metro: 199th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1