| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +5.4% | +0.9% | +4.5 pts |
| Loan growth (YoY) | -5.9% | -2.6% | -3.3 pts |
| ROA | 3.41% | 0.65% | +2.8 pts |
| ROE | 20.5% | 4.4% | +16.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.4M | $2.8M | $722K | $558K | $57K | 3.41% | 5.51% | 0.00% | 374 |
| Q1 2026 | $3.3M | $2.8M | $774K | $526K | $25K | 2.98% | 5.13% | 0.00% | 369 |
| Q4 2025 | $3.3M | $2.8M | $763K | $501K | $847 | 0.03% | 2.18% | 0.00% | 366 |
| Q3 2025 | $3.3M | $2.6M | $795K | $602K | $102K | 4.17% | 6.18% | 0.00% | 369 |
| Q2 2025 | $3.2M | $2.7M | $768K | $568K | $67K | 4.17% | 6.49% | 0.00% | 368 |
| Q1 2025 | $3.2M | $2.7M | $708K | $529K | $29K | 3.69% | 5.70% | 0.00% | 368 |
| Q4 2024 | $3.3M | $2.8M | $729K | $500K | $883 | 0.03% | 2.06% | 0.48% | 368 |
| Q3 2024 | $3.3M | $2.7M | $718K | $576K | $77K | 3.11% | 4.90% | 0.00% | 365 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.41% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.2M | $2.7M | $702K | $549K | $49K | 3.06% | 5.06% | 1.66% | 357 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $722K · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.1% | 80.6% | 1st |
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 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sangamon, IL | 1 | $2.8M* | 0.03% | 35th |
Illinois: 555th with 0.00% · Springfield metro: 37th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1