| Metric | Staley Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.1% | +2.4 pts |
| Share growth (YoY) | +4.3% | +3.5% | +0.7 pts |
| Loan growth (YoY) | 0.0% | +2.9% | -2.9 pts |
| ROA | 1.28% | 0.74% | +0.5 pts |
| ROE | 10.8% | 6.5% | +4.3 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.5M | $202.0M | $165.6M | $27.0M | $1.5M | 1.28% | 3.66% | 0.13% | 17,269 |
| Q1 2026 | $226.8M | $201.2M | $165.2M | $26.2M | $605K | 1.07% | 3.61% | 0.07% | 17,291 |
| Q4 2025 | $222.1M | $195.7M | $166.7M | $25.6M | $2.7M | 1.22% | 3.68% | 0.10% | 17,227 |
| Q3 2025 | $219.6M | $194.0M | $167.3M | $25.0M | $2.1M | 1.29% | 3.73% | 0.12% | 17,553 |
| Q2 2025 | $214.6M | $193.7M | $165.6M | $24.2M | $1.3M | 1.25% | 3.78% | 0.07% | 17,640 |
| Q1 2025 | $214.6M | $195.1M | $157.6M | $23.4M | $568K | 1.06% | 3.69% | 0.11% | 17,577 |
| Q4 2024 | $209.2M | $190.4M | $153.9M | $22.9M | $2.2M | 1.06% | 3.59% | 0.13% | 17,915 |
| Q3 2024 | $208.8M | $190.3M | $146.9M | $22.4M | $1.8M | 1.12% | 3.54% |
| Ratio | Staley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.74% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 6.5% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.07% |
| 18,012 |
| Q2 2024 | $217.0M | $200.4M | $146.0M | $21.8M | $1.2M | 1.08% | 3.34% | 0.02% | 18,041 |
Loan mix (Q2 2026): real estate $73.5M · commercial $0 · consumer $85.8M · securities $23.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 77.5% | 39th |
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 | Staley 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 | Staley 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 | Staley 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 | Staley 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 | Staley 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.
6 branches in 3 counties across 3 states (+0 vs 2025). Biggest market: Macon, IL, ranked 11th with 3.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Macon, IL | 3 | $101.0M* | 3.24% | 11th |
| Tippecanoe, IN | 2 | $67.3M* | 1.18% | 13th |
| Loudon, TN | 1 | $33.7M* | 1.95% | 10th |
Illinois: 361st with 0.01% · Indiana: 174th with 0.03% · Tennessee: 229th with 0.01% · Decatur metro: 11th, 3.24% · Lafayette-West Lafayette metro: 18th, 1.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6