| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.1% | +1.8 pts |
| Share growth (YoY) | +5.8% | +3.5% | +2.3 pts |
| Loan growth (YoY) | +8.0% | +2.9% | +5.1 pts |
| ROA | 1.05% | 0.74% | +0.3 pts |
| ROE | 6.8% | 6.5% | +0.4 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.1M | $113.2M | $101.2M | $20.7M | $706K | 1.05% | 4.00% | 0.40% | 10,467 |
| Q1 2026 | $132.4M | $111.8M | $100.2M | $20.3M | $319K | 0.96% | 3.95% | 0.46% | 10,469 |
| Q4 2025 | $127.5M | $107.1M | $99.2M | $20.0M | $1.2M | 0.95% | 3.75% | 0.51% | 10,430 |
| Q3 2025 | $125.0M | $105.0M | $96.5M | $19.7M | $929K | 0.99% | 3.85% | 0.38% | 10,434 |
| Q2 2025 | $126.6M | $106.9M | $93.7M | $19.4M | $612K | 0.97% | 3.73% | 0.26% | 10,341 |
| Q1 2025 | $128.2M | $108.8M | $91.0M | $19.1M | $338K | 1.05% | 3.54% | 0.21% | 10,275 |
| Q4 2024 | $122.7M | $103.4M | $90.6M | $18.8M | $1.3M | 1.06% | 3.41% | 0.20% | 10,258 |
| Q3 2024 | $118.4M | $99.8M | $89.6M | $18.3M | $805K | 0.91% | 3.61% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.74% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 6.5% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 10,232 |
| Q2 2024 | $118.7M | $100.3M | $85.9M | $18.0M | $548K | 0.92% | 3.54% | 0.19% | 10,183 |
Loan mix (Q2 2026): real estate $44.9M · commercial $0 · consumer $51.4M · securities $15.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 77.5% | 43rd |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 29, 2025 | Acquirer | Midland Community Bank | Acquisition | Completed | Federal Reserve |
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Adams, IL, ranked 9th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adams, IL | 2 | $75.4M* | 3.07% | 9th |
| Marion, MO | 1 | $37.7M* | 3.83% | 6th |
Illinois: 390th with 0.01% · Missouri: 297th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 3 · 2026 3