| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.9% | +5.3% | +10.6 pts |
| Share growth (YoY) | +18.9% | +5.1% | +13.7 pts |
| Loan growth (YoY) | -2.8% | +5.7% | -8.4 pts |
| ROA | 0.46% | 0.80% | -0.3 pts |
| ROE | 3.5% | 7.4% | -3.8 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.71B | $4.98B | $1.01B | $743.9M | $13.0M | 0.46% | 0.68% | 0.31% | 113,388 |
| Q1 2026 | $5.62B | $4.88B | $1.01B | $736.6M | $5.7M | 0.41% | 0.66% | 0.08% | 113,382 |
| Q4 2025 | $5.30B | $4.55B | $1.03B | $730.9M | $27.0M | 0.51% | 0.70% | 0.24% | 113,161 |
| Q3 2025 | $5.10B | $4.37B | $1.03B | $726.8M | $21.5M | 0.56% | 0.76% | 0.19% | 112,919 |
| Q2 2025 | $4.93B | $4.19B | $1.03B | $720.5M | $15.2M | 0.62% | 0.80% | 0.23% | 114,261 |
| Q1 2025 | $4.73B | $4.03B | $1.03B | $712.3M | $6.9M | 0.58% | 0.82% | 0.06% | 114,032 |
| Q4 2024 | $4.44B | $3.75B | $1.04B | $705.3M | $31.4M | 0.71% | 0.90% | 0.30% | 113,527 |
| Q3 2024 | $4.36B | $3.67B | $1.05B | $699.7M | $24.3M | 0.74% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.80% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 7.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.68% | 3.38% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 112,697 |
| Q2 2024 | $4.30B | $3.65B | $1.05B | $690.4M | $15.0M | 0.70% | 0.88% | 0.08% | 122,130 |
Loan mix (Q2 2026): real estate $39K · commercial $0 · consumer $909.0M · securities $4.60B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.5% | 71.9% | 0th |
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: McLean, IL, ranked 1st with 45.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLean, IL | 1 | $4.98B* | 45.26% | 1st |
Illinois: 25th with 0.62% · Bloomington metro: 1st, 45.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1