| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -3.7% | +0.7% | -4.4 pts |
| Loan growth (YoY) | +1.0% | -2.4% | +3.3 pts |
| ROA | -0.62% | 0.60% | -1.2 pts |
| ROE | -1.4% | 4.1% | -5.5 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.0M | $3.4M | $3.4M | $2.6M | $-9K | -0.62% | 4.06% | 0.00% | 618 |
| Q4 2025 | $5.9M | $3.4M | $3.3M | $2.6M | $-15K | -0.25% | 4.17% | 0.00% | 615 |
| Q3 2025 | $6.1M | $3.6M | $3.5M | $2.6M | $-3K | -0.06% | 4.06% | 0.00% | 612 |
| Q2 2025 | $6.1M | $3.5M | $3.5M | $2.6M | $-91K | -2.97% | 0.08% | 0.01% | 624 |
| Q1 2025 | $6.1M | $3.5M | $3.4M | $2.6M | $833 | 0.05% | 4.03% | 0.01% | 623 |
| Q4 2024 | $6.0M | $3.4M | $3.2M | $2.6M | $25K | 0.42% | 4.39% | 0.00% | 626 |
| Q3 2024 | $6.0M | $3.4M | $3.2M | $2.6M | $22K | 0.48% | 4.38% | 0.00% | 623 |
| Q2 2024 | $6.4M | $3.8M | $3.2M | $2.6M | $14K | 0.43% | 3.99% | 0.00% | 640 |
| Ratio | Peoria Bell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.62% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.7% | 81.5% | 93th |
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 | Peoria Bell Credit Union | 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 | Peoria Bell Credit Union | 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 | Peoria Bell Credit Union | 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 | Peoria Bell Credit Union | 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% |
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