| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.9% | +1.3% | +14.6 pts |
| Share growth (YoY) | +15.9% | +0.9% | +15.0 pts |
| Loan growth (YoY) | -4.7% | -2.6% | -2.0 pts |
| ROA | 1.17% | 0.65% | +0.5 pts |
| ROE | 10.8% | 4.4% | +6.4 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.0M | $46.4M | $19.9M | $5.6M | $305K | 1.17% | 3.35% | 1.37% | 3,544 |
| Q1 2026 | $50.1M | $44.7M | $20.3M | $5.5M | $146K | 1.17% | 3.31% | 1.13% | 3,544 |
| Q4 2025 | $45.7M | $40.3M | $19.8M | $5.3M | $641K | 1.40% | 3.69% | 1.42% | 3,540 |
| Q3 2025 | $44.0M | $39.0M | $20.6M | $5.2M | $484K | 1.47% | 3.83% | 1.15% | 3,549 |
| Q2 2025 | $44.8M | $40.0M | $20.9M | $5.0M | $291K | 1.30% | 3.72% | 1.32% | 3,569 |
| Q1 2025 | $44.5M | $39.6M | $21.0M | $4.8M | $96K | 0.86% | 3.67% | 0.76% | 3,576 |
| Q4 2024 | $42.4M | $37.6M | $21.2M | $4.7M | $516K | 1.22% | 3.58% | 0.67% | 3,582 |
| Q3 2024 | $40.7M | $36.1M | $20.7M | $4.6M | $366K | 1.20% | 3.67% | 0.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,567 |
| Q2 2024 | $42.3M | $37.5M | $19.9M | $4.4M | $226K | 1.07% | 3.47% | 0.44% | 3,568 |
Loan mix (Q2 2026): real estate $2.8M · commercial $0 · consumer $15.5M · securities $22.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 80.6% | 31st |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kankakee, IL, ranked 14th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kankakee, IL | 2 | $46.4M* | 1.46% | 14th |
Illinois: 434th with 0.01% · Kankakee metro: 14th, 1.46% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2