| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -22.4% | +1.3% | -23.7 pts |
| Share growth (YoY) | -22.1% | +0.9% | -23.0 pts |
| Loan growth (YoY) | +0.3% | -2.6% | +2.9 pts |
| ROA | -2.69% | 0.65% | -3.3 pts |
| ROE | -37.5% | 4.4% | -41.9 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $460K | $426K | $213K | $33K | $-6K | -2.69% | 6.50% | 0.00% | 302 |
| Q1 2026 | $456K | $421K | $231K | $34K | $-5K | -4.36% | 6.94% | 0.00% | 303 |
| Q4 2025 | $505K | $466K | $294K | $39K | $-75K | -14.89% | 6.20% | 0.00% | 298 |
| Q3 2025 | $576K | $515K | $207K | $60K | $-51K | -11.91% | 5.52% | 0.00% | 298 |
| Q2 2025 | $592K | $547K | $212K | $44K | $-67K | -22.79% | 5.19% | 0.00% | 298 |
| Q1 2025 | $613K | $542K | $213K | $71K | $-41K | -26.82% | 5.28% | 0.00% | 299 |
| Q4 2024 | $591K | $479K | $197K | $112K | $-111K | -18.85% | 6.04% | 0.00% | 300 |
| Q3 2024 | $659K | $512K | $200K | $146K | $-78K | -15.71% | 5.46% | 0.00% | 300 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.69% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -37.5% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 6.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $675K | $515K | $155K | $159K | $-64K | -19.08% | 5.19% | 0.00% | 304 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $40K · securities $165K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.8% | 80.6% | 92nd |
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: Cook, IL, ranked 158th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $426K* | 0.00% | 158th |
Illinois: 587th with 0.00% · Chicago-Naperville-Elgin metro: 262nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1