| Metric | Siue Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +4.8% | +0.9% | +3.8 pts |
| Loan growth (YoY) | +9.0% | -2.6% | +11.6 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.7M | $27.3M | $12.3M | $3.2M | $104K | 0.68% | 4.07% | 0.22% | 1,634 |
| Q1 2026 | $30.0M | $26.7M | $12.0M | $3.2M | $42K | 0.56% | 4.08% | 0.30% | 1,633 |
| Q4 2025 | $29.5M | $26.2M | $11.8M | $3.1M | $338K | 1.15% | 4.11% | 0.79% | 1,656 |
| Q3 2025 | $29.3M | $26.1M | $11.8M | $3.1M | $247K | 1.12% | 4.10% | 0.21% | 1,656 |
| Q2 2025 | $29.2M | $26.1M | $11.3M | $3.0M | $170K | 1.17% | 4.04% | 0.24% | 1,656 |
| Q1 2025 | $28.8M | $25.8M | $11.2M | $2.9M | $84K | 1.16% | 3.95% | 0.66% | 1,676 |
| Q4 2024 | $28.3M | $25.5M | $11.4M | $2.8M | $279K | 0.98% | 3.96% | 0.79% | 1,686 |
| Q3 2024 | $27.0M | $24.2M | $11.7M | $2.7M | $216K | 1.07% | 4.17% | 0.94% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Siue Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,702 |
| Q2 2024 | $27.5M | $24.6M | $11.8M | $2.7M | $148K | 1.07% | 4.11% | 1.12% | 1,718 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $9.8M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 80.6% | 55th |
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 | Siue Credit Union | 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 | Siue Credit Union | 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 | Siue Credit Union | 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 | Siue Credit Union | 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 | Siue Credit Union | 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: Madison, IL, ranked 27th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, IL | 1 | $27.3M* | 0.30% | 27th |
Illinois: 466th with 0.00% · St. Louis metro: 125th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1