| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.1 pts |
| Loan growth (YoY) | +1.4% | -2.6% | +4.0 pts |
| ROA | 1.88% | 0.65% | +1.2 pts |
| ROE | 10.4% | 4.4% | +6.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.9M | $3.2M | $1.5M | $714K | $37K | 1.88% | 3.89% | 0.46% | 477 |
| Q1 2026 | $3.9M | $3.2M | $1.5M | $695K | $18K | 1.80% | 3.85% | 0.46% | 474 |
| Q4 2025 | $3.9M | $3.2M | $1.5M | $677K | $35K | 0.89% | 3.76% | 0.35% | 465 |
| Q3 2025 | $3.8M | $3.2M | $1.6M | $661K | $18K | 0.62% | 3.83% | 2.25% | 467 |
| Q2 2025 | $3.7M | $3.1M | $1.5M | $654K | $11K | 0.58% | 3.86% | 2.21% | 467 |
| Q1 2025 | $3.6M | $3.0M | $1.6M | $633K | $-10K | -1.11% | 3.71% | 0.00% | 465 |
| Q4 2024 | $3.7M | $3.0M | $1.7M | $643K | $58K | 1.58% | 3.83% | 1.88% | 461 |
| Q3 2024 | $3.6M | $2.9M | $1.7M | $635K | $50K | 1.89% | 3.95% | 3.76% | 461 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.6M | $3.0M | $1.7M | $616K | $31K | 1.73% | 3.83% | 4.37% | 461 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 80.6% | 5th |
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 145th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 1 | $3.2M* | 0.00% | 145th |
Illinois: 554th with 0.00% · Chicago-Naperville-Elgin metro: 238th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1