| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.6 pts |
| Share growth (YoY) | -12.1% | +0.9% | -13.0 pts |
| Loan growth (YoY) | -32.3% | -2.6% | -29.7 pts |
| ROA | 1.10% | 0.65% | +0.4 pts |
| ROE | 7.3% | 4.4% | +2.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $383K | $326K | $40K | $57K | $2K | 1.10% | 3.12% | 0.00% | 152 |
| Q1 2026 | $386K | $329K | $51K | $57K | $2K | 1.59% | 3.45% | 0.00% | 152 |
| Q4 2025 | $371K | $316K | $51K | $55K | $2K | 0.47% | 3.18% | 0.00% | 152 |
| Q3 2025 | $386K | $331K | $51K | $55K | $304 | 0.11% | 3.08% | 0.00% | 155 |
| Q2 2025 | $423K | $371K | $59K | $52K | $-1K | -0.63% | 2.49% | 0.00% | 165 |
| Q1 2025 | $428K | $375K | $55K | $54K | $-987 | -0.92% | 3.04% | 0.00% | 165 |
| Q4 2024 | $420K | $364K | $50K | $50K | $614 | 0.15% | 1.57% | 0.00% | 165 |
| Q3 2024 | $433K | $389K | $81K | $44K | $2K | 0.53% | 1.35% | 0.00% | 165 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $429K |
| $378K |
| $61K |
| $50K |
| $2K |
| 1.12% |
| 3.02% |
| 0.00% |
| 142 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $219K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 80.6% | 18th |
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 162nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $326K* | 0.00% | 162nd |
Illinois: 592nd with 0.00% · Chicago-Naperville-Elgin metro: 267th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2