| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +1.3% | +10.3 pts |
| Share growth (YoY) | +12.8% | +0.9% | +11.8 pts |
| Loan growth (YoY) | -1.0% | -2.6% | +1.7 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 6.6% | 4.4% | +2.2 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.8M | $2.6M | $2.0M | $249K | $8K | 0.58% | 3.30% | 0.00% | 621 |
| Q1 2026 | $2.9M | $2.6M | $2.0M | $243K | $2K | 0.27% | 2.89% | 0.00% | 624 |
| Q4 2025 | $2.9M | $2.6M | $2.0M | $241K | $2K | 0.08% | 3.32% | 0.00% | 628 |
| Q3 2025 | $2.7M | $2.5M | $2.1M | $250K | $13K | 0.65% | 3.47% | 0.00% | 633 |
| Q2 2025 | $2.6M | $2.3M | $2.1M | $249K | $12K | 0.95% | 3.79% | 0.00% | 639 |
| Q1 2025 | $2.7M | $2.4M | $2.0M | $242K | $5K | 0.77% | 3.60% | 0.00% | 634 |
| Q4 2024 | $2.7M | $2.4M | $2.1M | $237K | $3K | 0.11% | 2.95% | 0.00% | 637 |
| Q3 2024 | $2.7M | $2.4M | $2.0M | $239K | $5K | 0.25% | 2.81% | 0.19% | 639 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.5M |
| $2.3M |
| $2.0M |
| $236K |
| $2K |
| 0.17% |
| 2.83% |
| 0.00% |
| 647 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $587K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 80.6% | 60th |
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: Williamson, IL, ranked 16th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Williamson, IL | 1 | $2.6M* | 0.13% | 16th |
Illinois: 557th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1