| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.8% | +1.3% | -12.1 pts |
| Share growth (YoY) | -12.7% | +0.9% | -13.6 pts |
| Loan growth (YoY) | -6.2% | -2.6% | -3.6 pts |
| ROA | 0.00% | 0.65% | -0.6 pts |
| ROE | 0.0% | 4.4% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.0M | $33.3M | $15.4M | $5.0M | $734 | 0.00% | 3.42% | 0.94% | 2,976 |
| Q1 2026 | $40.8M | $37.2M | $14.9M | $5.1M | $35K | 0.34% | 3.10% | 0.30% | 3,023 |
| Q4 2025 | $40.7M | $37.1M | $15.9M | $5.1M | $60K | 0.15% | 3.06% | 0.32% | 3,076 |
| Q3 2025 | $41.2M | $37.6M | $15.3M | $5.2M | $117K | 0.38% | 3.03% | 0.63% | 3,117 |
| Q2 2025 | $41.5M | $38.2M | $16.4M | $5.1M | $86K | 0.41% | 2.98% | 0.58% | 3,156 |
| Q1 2025 | $39.9M | $36.6M | $13.3M | $5.2M | $45K | 0.45% | 3.06% | 0.82% | 3,225 |
| Q4 2024 | $39.0M | $36.0M | $14.1M | $5.1M | $78K | 0.20% | 2.35% | 0.35% | 3,264 |
| Q3 2024 | $32.8M | $28.9M | $7.1M | $5.4M | $340K | 1.38% | 2.79% | 0.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,320 |
| Q2 2024 | $31.9M | $28.5M | $7.2M | $5.4M | $384K | 2.41% | 2.77% | 0.24% | 3,372 |
Loan mix (Q2 2026): real estate $5.5M · commercial $0 · consumer $9.8M · securities $17.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 80.6% | 79th |
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: Cook, IL, ranked 123rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $33.3M* | 0.01% | 123rd |
Illinois: 460th with 0.00% · Chicago-Naperville-Elgin metro: 200th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1