| Metric | Vicinity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -22.1% | +4.1% | -26.2 pts |
| Share growth (YoY) | -5.5% | +3.5% | -9.1 pts |
| Loan growth (YoY) | -10.9% | +2.9% | -13.8 pts |
| ROA | -0.28% | 0.74% | -1.0 pts |
| ROE | -3.4% | 6.5% | -9.9 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.9M | $192.7M | $86.7M | $16.7M | $-285K | -0.28% | 3.01% | 0.92% | 17,491 |
| Q1 2026 | $201.2M | $190.1M | $90.9M | $16.9M | $-131K | -0.26% | 2.96% | 0.42% | 17,576 |
| Q4 2025 | $200.1M | $188.3M | $96.7M | $17.6M | $-3.5M | -1.76% | 3.01% | 0.73% | 18,678 |
| Q3 2025 | $201.7M | $190.6M | $92.1M | $20.0M | $-1.5M | -1.00% | 2.98% | 1.37% | 18,713 |
| Q2 2025 | $261.7M | $203.9M | $97.3M | $20.6M | $-895K | -0.68% | 2.26% | 1.48% | 18,678 |
| Q1 2025 | $263.8M | $205.5M | $103.0M | $21.5M | $-23K | -0.04% | 2.17% | 1.54% | 18,928 |
| Q4 2024 | $275.3M | $206.0M | $109.6M | $21.7M | $-113K | -0.04% | 2.47% | 1.83% | 19,018 |
| Q3 2024 | $279.8M | $214.1M | $116.3M | $22.5M | $70K | 0.03% | 2.47% |
| Ratio | Vicinity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.28% | 0.74% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -3.4% | 6.5% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.60% |
| 19,273 |
| Q2 2024 | $293.4M | $222.4M | $122.6M | $22.6M | $180K | 0.12% | 2.46% | 1.55% | 19,541 |
Loan mix (Q2 2026): real estate $55.7M · commercial $0 · consumer $30.1M · securities $67.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.8% | 77.5% | 100th |
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 | Vicinity Credit Union | 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 | Vicinity Credit Union | 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 | Vicinity Credit Union | 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 | Vicinity Credit Union | 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 | Vicinity Credit Union | 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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cook, IL, ranked 82nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 3 | $192.7M* | 0.04% | 82nd |
Illinois: 265th with 0.02% · Chicago-Naperville-Elgin metro: 126th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 3 · 2025 3 · 2026 3