| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +79.7% | +1.3% | +78.4 pts |
| Share growth (YoY) | +61.3% | +0.9% | +60.4 pts |
| Loan growth (YoY) | -3.6% | -2.6% | -1.0 pts |
| ROA | -0.52% | 0.65% | -1.2 pts |
| ROE | -2.2% | 4.4% | -6.6 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $683K | $525K | $164K | $158K | $-2K | -0.52% | 1.75% | 0.00% | 195 |
| Q1 2026 | $687K | $529K | $184K | $157K | $-2K | -1.08% | 1.53% | 3.04% | 168 |
| Q4 2025 | $393K | $336K | $143K | $57K | $5K | 1.25% | 2.99% | 2.28% | 120 |
| Q3 2025 | $426K | $371K | $162K | $52K | $3K | 0.94% | 2.65% | 0.00% | 120 |
| Q2 2025 | $380K | $325K | $170K | $52K | $2K | 1.23% | 2.87% | 0.00% | 115 |
| Q1 2025 | $382K | $329K | $174K | $53K | $1 | 0.00% | 2.15% | 0.00% | 115 |
| Q4 2024 | $380K | $327K | $169K | $53K | $6K | 1.56% | 3.26% | 15.13% | 119 |
| Q3 2024 | $378K | $327K | $188K | $51K | $6K | 1.96% | 3.71% | 14.99% | 129 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.52% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -2.2% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $379K |
| $333K |
| $204K |
| $47K |
| $792 |
| 0.42% |
| 2.60% |
| 16.97% |
| 129 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $153K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 129.2% | 80.6% | 97th |
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 157th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $525K* | 0.00% | 157th |
Illinois: 585th with 0.00% · Chicago-Naperville-Elgin metro: 261st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1