| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.7% | +1.3% | -15.0 pts |
| Share growth (YoY) | -15.5% | +0.7% | -16.2 pts |
| Loan growth (YoY) | -17.6% | -2.4% | -15.3 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $945K | $824K | $340K | $120K | $42 | 0.02% | 3.37% | 0.00% | 268 |
| Q4 2025 | $915K | $794K | $320K | $120K | $2K | 0.26% | 3.82% | 0.00% | 265 |
| Q3 2025 | $974K | $851K | $332K | $122K | $4K | 0.60% | 3.82% | 0.00% | 270 |
| Q2 2025 | $1.0M | $906K | $365K | $121K | $3K | 0.58% | 3.67% | 0.00% | 267 |
| Q1 2025 | $1.1M | $975K | $412K | $119K | $1K | 0.49% | 3.54% | 0.00% | 269 |
| Q4 2024 | $1.1M | $978K | $443K | $118K | $7K | 0.63% | 3.48% | 0.00% | 273 |
| Q3 2024 | $1.2M | $1.1M | $469K | $116K | $5K | 0.59% | 3.17% | 0.00% | 288 |
| Q2 2024 | $1.3M | $1.1M | $533K | $114K | $3K | 0.44% | 3.01% | 0.00% | 290 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $340K · securities $360K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.5% | 81.5% | 84th |
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 154th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $906K* | 0.00% | 154th |
Illinois: 581st with 0.00% · Chicago-Naperville-Elgin metro: 257th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1