| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +1.3% | +7.5 pts |
| Share growth (YoY) | +8.3% | +0.9% | +7.3 pts |
| Loan growth (YoY) | -5.3% | -2.6% | -2.7 pts |
| ROA | 1.55% | 0.65% | +0.9 pts |
| ROE | 12.2% | 4.4% | +7.9 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.6M | $68.4M | $46.6M | $9.9M | $607K | 1.55% | 3.57% | 0.26% | 5,876 |
| Q1 2026 | $78.7M | $68.7M | $47.7M | $9.7M | $317K | 1.61% | 3.48% | 0.10% | 5,836 |
| Q4 2025 | $75.8M | $66.2M | $48.7M | $9.3M | $1.2M | 1.61% | 3.70% | 0.53% | 5,805 |
| Q3 2025 | $72.7M | $63.3M | $49.9M | $9.2M | $1.0M | 1.91% | 3.86% | 0.41% | 5,830 |
| Q2 2025 | $72.2M | $63.1M | $49.2M | $8.8M | $718K | 1.99% | 3.91% | 0.12% | 5,750 |
| Q1 2025 | $72.2M | $63.4M | $46.5M | $8.6M | $412K | 2.28% | 3.92% | 0.56% | 5,689 |
| Q4 2024 | $68.1M | $59.7M | $45.1M | $8.1M | $1.4M | 2.01% | 4.38% | 0.78% | 5,617 |
| Q3 2024 | $66.8M | $58.6M | $42.6M | $7.9M | $1.1M | 2.22% | 4.50% | 0.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 4.4% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,621 |
| Q2 2024 | $67.3M | $59.3M | $40.5M | $7.6M | $823K | 2.45% | 4.47% | 0.07% | 5,552 |
Loan mix (Q2 2026): real estate $11.4M · commercial $0 · consumer $33.6M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 80.6% | 18th |
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: Whiteside, IL, ranked 12th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Whiteside, IL | 1 | $68.4M* | 3.02% | 12th |
Illinois: 402nd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1