| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +0.8% | +0.9% | -0.2 pts |
| Loan growth (YoY) | -17.9% | -2.6% | -15.2 pts |
| ROA | 2.86% | 0.65% | +2.2 pts |
| ROE | 11.1% | 4.4% | +6.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $263K | $195K | $3K | $68K | $4K | 2.86% | 5.21% | 0.00% | 137 |
| Q1 2026 | $257K | $193K | $5K | $64K | $195 | 0.30% | 1.86% | 0.68% | 137 |
| Q4 2025 | $250K | $191K | $5K | $59K | $-3K | -1.35% | 1.07% | 3.18% | 136 |
| Q3 2025 | $250K | $192K | $2K | $58K | $-4K | -2.35% | 0.81% | 36.84% | 148 |
| Q2 2025 | $254K | $193K | $4K | $60K | $-2K | -1.82% | 0.88% | 22.18% | 146 |
| Q1 2025 | $257K | $196K | $5K | $61K | $-2K | -2.60% | 1.80% | 0.00% | 146 |
| Q4 2024 | $258K | $195K | $7K | $63K | $1K | 0.42% | 2.89% | 17.08% | 120 |
| Q3 2024 | $262K | $197K | $9K | $65K | $4K | 1.89% | 4.27% | 41.06% | 122 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.86% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $265K |
| $201K |
| $11K |
| $64K |
| $3K |
| 2.14% |
| 3.99% |
| 13.53% |
| 113 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3K · securities $83K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 80.6% | 3rd |
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 165th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $195K* | 0.00% | 165th |
Illinois: 597th with 0.00% · Chicago-Naperville-Elgin metro: 272nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1