| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +2.0% | +0.9% | +1.1 pts |
| Loan growth (YoY) | +2.2% | -2.6% | +4.8 pts |
| ROA | -0.77% | 0.65% | -1.4 pts |
| ROE | -5.1% | 4.4% | -9.5 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.6M | $19.8M | $10.1M | $3.6M | $-91K | -0.77% | 2.12% | 0.41% | 2,076 |
| Q1 2026 | $23.7M | $19.9M | $10.0M | $3.7M | $50K | 0.85% | 2.68% | 0.09% | 2,102 |
| Q4 2025 | $23.5M | $19.8M | $10.1M | $3.7M | $510K | 2.17% | 3.87% | 0.25% | 2,129 |
| Q3 2025 | $22.8M | $19.2M | $10.0M | $3.6M | $425K | 2.48% | 3.97% | 0.23% | 2,136 |
| Q2 2025 | $23.0M | $19.4M | $9.9M | $3.5M | $317K | 2.76% | 3.77% | 0.38% | 2,152 |
| Q1 2025 | $23.2M | $19.7M | $9.9M | $3.4M | $173K | 2.99% | 3.67% | 0.26% | 2,200 |
| Q4 2024 | $22.5M | $19.2M | $10.3M | $3.2M | $140K | 0.62% | 4.00% | 0.47% | 2,187 |
| Q3 2024 | $22.4M | $19.1M | $10.5M | $3.2M | $121K | 0.72% | 3.98% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.77% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -5.1% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,261 |
| Q2 2024 | $23.6M | $20.4M | $10.4M | $3.1M | $12K | 0.10% | 3.76% | 0.02% | 2,313 |
Loan mix (Q2 2026): real estate $1.0M · commercial $0 · consumer $8.5M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 125.2% | 80.6% | 96th |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 31, 2026 | Target | Rock Valley | Merger | Completed | NCUA |
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Winnebago, IL, ranked 27th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Winnebago, IL | 1 | $19.8M* | 0.21% | 27th |
Illinois: 494th with 0.00% · Rockford metro: 30th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1