| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +6.4% | +0.9% | +5.4 pts |
| Loan growth (YoY) | +2.4% | -2.6% | +5.1 pts |
| ROA | 1.12% | 0.65% | +0.5 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.7M | $30.4M | $18.1M | $4.3M | $194K | 1.12% | 3.21% | 0.46% | 1,596 |
| Q1 2026 | $35.4M | $31.2M | $18.3M | $4.2M | $92K | 1.04% | 3.22% | 0.08% | 1,592 |
| Q4 2025 | $35.0M | $30.8M | $18.5M | $4.1M | $338K | 0.97% | 3.16% | 0.29% | 1,594 |
| Q3 2025 | $32.8M | $28.8M | $18.4M | $4.0M | $161K | 0.66% | 3.28% | 0.00% | 1,607 |
| Q2 2025 | $32.6M | $28.6M | $17.7M | $4.0M | $58K | 0.35% | 3.17% | 0.02% | 1,600 |
| Q1 2025 | $33.5M | $29.5M | $17.7M | $3.9M | $36K | 0.43% | 2.91% | 0.11% | 1,596 |
| Q4 2024 | $32.5M | $28.5M | $18.7M | $3.9M | $30K | 0.09% | 2.68% | 0.16% | 1,602 |
| Q3 2024 | $31.7M | $27.7M | $19.3M | $3.9M | $5K | 0.02% | 2.66% | 0.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,622 |
| Q2 2024 | $32.0M | $28.1M | $19.2M | $3.9M | $34K | 0.21% | 2.50% | 1.37% | 1,639 |
Loan mix (Q2 2026): real estate $12.9M · commercial $0 · consumer $4.9M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 80.6% | 21st |
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: Rock Island, IL, ranked 22nd with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rock Island, IL | 1 | $30.4M* | 0.56% | 22nd |
Illinois: 464th with 0.00% · Davenport-Moline-Rock Island metro: 38th, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1