| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.8% | +2.7 pts |
| Share growth (YoY) | +7.7% | +4.3% | +3.4 pts |
| Loan growth (YoY) | +10.3% | +4.3% | +6.0 pts |
| ROA | 1.08% | 0.62% | +0.5 pts |
| ROE | 11.2% | 5.9% | +5.3 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $767.1M | $692.2M | $619.0M | $73.8M | $2.1M | 1.08% | 4.31% | 0.66% | 64,655 |
| Q4 2025 | $755.5M | $679.6M | $621.9M | $71.7M | $2.8M | 0.37% | 4.17% | 0.74% | 64,203 |
| Q3 2025 | $741.8M | $667.1M | $633.6M | $71.2M | $2.1M | 0.37% | 4.21% | 0.66% | 64,826 |
| Q2 2025 | $702.7M | $629.7M | $605.1M | $70.8M | $1.6M | 0.47% | 4.37% | 0.57% | 64,173 |
| Q1 2025 | $713.6M | $642.9M | $561.1M | $70.1M | $902K | 0.51% | 4.20% | 0.67% | 63,125 |
| Q4 2024 | $678.2M | $608.9M | $567.7M | $69.2M | $-155K | -0.02% | 4.24% | 0.94% | 62,243 |
| Q3 2024 | $660.8M | $578.3M | $552.0M | $60.7M | $178K | 0.04% | 4.33% | 0.91% | 64,352 |
| Q2 2024 | $667.6M | $577.6M | $545.3M | $60.7M | $146K | 0.04% | 4.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.62% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.71% |
| 63,384 |
Loan mix (Q1 2026): real estate $221.7M · commercial $15.2M · consumer $334.8M · securities $35.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 78.3% | 51st |
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.
8 branches in 3 counties across 1 state (+1 vs 2024). Biggest market: Champaign, IL, ranked 4th with 5.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Champaign, IL | 5 | $393.6M* | 5.42% | 4th |
| McLean, IL | 2 | $157.4M* | 1.55% | 10th |
| Vermilion, IL | 1 | $78.7M* | 5.68% | 6th |
Illinois: 101st with 0.08% · Champaign-Urbana metro: 4th, 4.68% · Bloomington metro: 10th, 1.55% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 7 · 2024 7 · 2025 8