| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +1.2% | +0.9% | +0.3 pts |
| Loan growth (YoY) | -3.3% | -2.6% | -0.7 pts |
| ROA | 0.73% | 0.65% | +0.1 pts |
| ROE | 3.6% | 4.4% | -0.7 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.7M | $5.3M | $3.6M | $1.3M | $24K | 0.73% | 5.45% | 0.00% | 1,029 |
| Q1 2026 | $6.6M | $5.3M | $3.8M | $1.3M | $-3K | -0.16% | 5.49% | 0.19% | 1,031 |
| Q4 2025 | $6.3M | $5.0M | $4.0M | $1.3M | $61K | 0.96% | 5.62% | 0.06% | 1,027 |
| Q3 2025 | $6.5M | $5.3M | $3.7M | $1.3M | $8K | 0.17% | 5.39% | 0.22% | 1,022 |
| Q2 2025 | $6.5M | $5.3M | $3.7M | $1.2M | $-6K | -0.19% | 5.49% | 0.47% | 1,007 |
| Q1 2025 | $6.6M | $5.4M | $3.6M | $1.2M | $-33K | -2.00% | 5.31% | 0.44% | 990 |
| Q4 2024 | $6.5M | $5.2M | $3.7M | $1.3M | $-208 | -0.00% | 6.09% | 0.40% | 988 |
| Q3 2024 | $6.7M | $5.4M | $3.8M | $1.2M | $-27K | -0.54% | 5.94% | 0.37% | 995 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.0M | $5.8M | $3.7M | $1.2M | $-21K | -0.59% | 5.27% | 0.29% | 1,049 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 80.6% | 59th |
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: Madison, IL, ranked 31st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, IL | 1 | $5.3M* | 0.06% | 31st |
Illinois: 539th with 0.00% · St. Louis metro: 140th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1