| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +4.4% | +0.9% | +3.5 pts |
| Loan growth (YoY) | -3.9% | -2.6% | -1.2 pts |
| ROA | 2.15% | 0.65% | +1.5 pts |
| ROE | 10.8% | 4.4% | +6.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.2M | $9.8M | $3.5M | $2.4M | $131K | 2.15% | 4.05% | 0.07% | 1,462 |
| Q1 2026 | $12.2M | $9.9M | $3.5M | $2.4M | $61K | 1.98% | 3.93% | 0.00% | 1,468 |
| Q4 2025 | $12.1M | $9.8M | $3.5M | $2.3M | $276K | 2.27% | 4.07% | 0.00% | 1,467 |
| Q3 2025 | $11.4M | $9.2M | $3.6M | $2.2M | $197K | 2.30% | 4.21% | 0.04% | 1,470 |
| Q2 2025 | $11.5M | $9.3M | $3.6M | $2.1M | $117K | 2.03% | 3.96% | 0.48% | 1,474 |
| Q1 2025 | $11.5M | $9.4M | $3.6M | $2.1M | $45K | 1.57% | 3.93% | 0.15% | 1,469 |
| Q4 2024 | $10.8M | $8.8M | $3.6M | $2.0M | $261K | 2.40% | 4.25% | 0.16% | 1,467 |
| Q3 2024 | $10.7M | $8.7M | $3.6M | $2.0M | $194K | 2.41% | 4.26% | 0.24% | 1,463 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.6M | $8.7M | $3.4M | $1.9M | $127K | 2.41% | 4.27% | 0.08% | 1,460 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 80.6% | 9th |
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: Randolph, IN, ranked 10th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Randolph, IN | 1 | $9.8M* | 1.37% | 10th |
Indiana: 255th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1