| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +1.3% | +8.4 pts |
| Share growth (YoY) | +18.0% | +0.9% | +17.1 pts |
| Loan growth (YoY) | +15.4% | -2.6% | +18.0 pts |
| ROA | -0.87% | 0.65% | -1.5 pts |
| ROE | -9.2% | 4.4% | -13.6 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $324K | $287K | $147K | $31K | $-1K | -0.87% | 6.55% | 0.00% | 149 |
| Q1 2026 | $322K | $279K | $145K | $33K | $1K | 1.35% | 6.67% | 0.00% | 154 |
| Q4 2025 | $302K | $260K | $147K | $32K | $-1 | -0.00% | 5.80% | 0.00% | 154 |
| Q3 2025 | $301K | $251K | $142K | $50K | $18K | 7.91% | 6.39% | 0.00% | 153 |
| Q2 2025 | $295K | $243K | $128K | $53K | $21K | 13.95% | 6.72% | 0.00% | 147 |
| Q1 2025 | $295K | $240K | $132K | $55K | $23K | 30.96% | 7.03% | 0.00% | 145 |
| Q4 2024 | $269K | $237K | $148K | $32K | $2K | 0.80% | 5.74% | 0.00% | 140 |
| Q3 2024 | $283K | $236K | $151K | $40K | $10K | 4.68% | 7.59% | 0.00% | 157 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.87% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -9.2% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $284K |
| $232K |
| $144K |
| $39K |
| $9K |
| 6.51% |
| 7.53% |
| 0.00% |
| 159 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $133K · securities $44
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.8% | 80.6% | 92nd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cook, IL, ranked 163rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $287K* | 0.00% | 163rd |
Illinois: 593rd with 0.00% · Chicago-Naperville-Elgin metro: 269th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2