| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +5.5% | +0.9% | +4.5 pts |
| Loan growth (YoY) | +8.4% | -2.6% | +11.0 pts |
| ROA | 0.79% | 0.65% | +0.1 pts |
| ROE | 4.6% | 4.4% | +0.2 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.8M | $10.6M | $8.0M | $2.2M | $51K | 0.79% | 4.18% | 0.33% | 1,250 |
| Q1 2026 | $12.8M | $10.6M | $8.0M | $2.2M | $10K | 0.32% | 4.14% | 0.43% | 1,142 |
| Q4 2025 | $12.7M | $10.5M | $7.7M | $2.1M | $126K | 1.00% | 3.99% | 0.44% | 1,267 |
| Q3 2025 | $12.3M | $10.2M | $7.4M | $2.1M | $98K | 1.06% | 4.47% | 0.70% | 1,262 |
| Q2 2025 | $12.1M | $10.0M | $7.3M | $2.1M | $86K | 1.42% | 4.10% | 0.58% | 1,288 |
| Q1 2025 | $12.5M | $10.4M | $7.3M | $2.1M | $51K | 1.63% | 3.98% | 0.71% | 1,314 |
| Q4 2024 | $12.0M | $9.9M | $7.6M | $2.0M | $164K | 1.37% | 4.10% | 0.46% | 1,324 |
| Q3 2024 | $11.8M | $9.8M | $7.6M | $2.0M | $119K | 1.34% | 4.09% | 0.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.65% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,327 |
| Q2 2024 | $11.7M | $9.7M | $7.7M | $1.9M | $72K | 1.23% | 4.07% | 0.64% | 1,333 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.0M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 80.6% | 49th |
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: Sangamon, IL, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sangamon, IL | 1 | $10.6M* | 0.10% | 32nd |
Illinois: 519th with 0.00% · Springfield metro: 33rd, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1