| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.3% | +0.5 pts |
| Share growth (YoY) | +8.7% | +5.1% | +3.6 pts |
| Loan growth (YoY) | +1.9% | +5.7% | -3.8 pts |
| ROA | 0.37% | 0.80% | -0.4 pts |
| ROE | 1.5% | 7.4% | -5.9 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.41B | $1.75B | $1.59B | $606.6M | $4.4M | 0.37% | 3.36% | 1.01% | 146,774 |
| Q1 2026 | $2.41B | $1.74B | $1.59B | $623.1M | $850K | 0.14% | 3.33% | 0.69% | 145,117 |
| Q4 2025 | $2.39B | $1.71B | $1.60B | $622.2M | $21.2M | 0.89% | 3.24% | 0.87% | 145,945 |
| Q3 2025 | $2.34B | $1.67B | $1.56B | $623.7M | $15.4M | 0.88% | 3.29% | 1.09% | 136,214 |
| Q2 2025 | $2.28B | $1.61B | $1.56B | $616.9M | $8.6M | 0.76% | 3.32% | 1.20% | 130,040 |
| Q1 2025 | $2.15B | $1.51B | $1.51B | $599.9M | $2.4M | 0.45% | 3.42% | 0.37% | 124,073 |
| Q4 2024 | $2.13B | $1.49B | $1.52B | $597.5M | $21.3M | 1.00% | 3.51% | 0.52% | 122,852 |
| Q3 2024 | $2.13B | $1.49B | $1.51B | $600.5M | $16.6M | 1.04% | 3.58% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.80% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 7.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.38% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 129,107 |
| Q2 2024 | $2.14B | $1.50B | $1.50B | $596.5M | $12.6M | 1.18% | 3.64% | 0.77% | 129,812 |
Loan mix (Q2 2026): real estate $1.33B · commercial $92.4M · consumer $142.5M · securities $93.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 71.9% | 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.
47 branches in 26 counties across 7 states (+6 vs 2025). Biggest market: Cook, IL, ranked 68th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 8 | $298.1M* | 0.06% | 68th |
| San Joaquin, CA | 3 | $111.8M* | 0.62% | 17th |
| Yakima, WA | 3 | $111.8M* | 1.82% | 14th |
| 23 more counties with Pro → | ||||
California: 157th with 0.04% · Illinois: 201st with 0.04% · Washington: 81st with 0.06% · South Carolina: 76th with 0.12% · Connecticut: 61st with 0.08% · Wisconsin: 226th with 0.03% · North Carolina: 130th with 0.00% · Chicago-Naperville-Elgin metro: 111th, 0.04% · San Francisco-Oakland-Fremont metro: 76th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 37 · 2023 38 · 2024 39 · 2025 41 · 2026 47
Ranked #1279 of 1,445 lenders in FY2020 — an active SBA 7(a) lender.
Year-by-year volume and rank, loan size and pricing, top states and industries, and charge-offs by vintage are part of CharterBench Pro.
7(a) approvals net of cancellations, attributed to the lender named in the SBA’s file. 504 loans are made through certified development companies and are not included. All SBA lenders →
Ranked #1,667 of 4,653 mortgage lenders in 2025.
Approval rates, pricing, purchase vs. refinance, HELOCs, government lending, how much it sells vs. keeps, top states and the year-by-year trend are part of CharterBench Pro.
Home Mortgage Disclosure Act data (CFPB). Includes mortgage subsidiaries that the Philadelphia Fed’s HMDA Lender File ties to this institution. Small lenders below the HMDA reporting thresholds do not file. All mortgage lenders →