| Metric | St. Mark Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.0% | +1.3% | -11.3 pts |
| Share growth (YoY) | -7.5% | +0.9% | -8.5 pts |
| Loan growth (YoY) | -28.5% | -2.6% | -25.9 pts |
| ROA | -3.95% | 0.65% | -4.6 pts |
| ROE | -17.0% | 4.4% | -21.4 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $472K | $362K | $88K | $110K | $-9K | -3.95% | 1.26% | 1.11% | 159 |
| Q1 2026 | $526K | $413K | $113K | $113K | $-6K | -4.28% | 1.30% | 3.40% | 167 |
| Q4 2025 | $505K | $386K | $100K | $119K | $16K | 3.18% | 2.64% | 0.00% | 167 |
| Q3 2025 | $505K | $383K | $105K | $122K | $19K | 4.97% | 1.66% | 0.00% | 168 |
| Q2 2025 | $524K | $391K | $124K | $133K | $30K | 11.40% | 1.62% | 13.43% | 176 |
| Q1 2025 | $524K | $392K | $128K | $132K | $29K | 22.18% | 1.80% | 6.36% | 175 |
| Q4 2024 | $501K | $398K | $136K | $103K | $5K | 0.95% | 3.41% | 5.95% | 174 |
| Q3 2024 | $492K | $397K | $145K | $96K | $-2K | -0.67% | 1.88% | 16.08% | 174 |
| Ratio | St. Mark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.95% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -17.0% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 1.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $496K | $399K | $140K | $97K | $-672 | -0.27% | 1.93% | 5.63% | 190 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $88K · securities $273K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 386.0% | 80.6% | 100th |
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 | St. Mark 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 | St. Mark 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 | St. Mark 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 | St. Mark 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 | St. Mark 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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Cook, IL, ranked 160th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $362K* | 0.00% | 160th |
Illinois: 589th with 0.00% · Chicago-Naperville-Elgin metro: 264th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2