| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.8 pts |
| Share growth (YoY) | -1.0% | +0.9% | -1.9 pts |
| Loan growth (YoY) | -5.2% | -2.6% | -2.6 pts |
| ROA | -0.46% | 0.65% | -1.1 pts |
| ROE | -4.2% | 4.4% | -8.5 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.6M | $85.6M | $63.6M | $10.9M | $-226K | -0.46% | 3.86% | 1.49% | 9,135 |
| Q1 2026 | $96.2M | $84.2M | $59.7M | $11.1M | $-38K | -0.16% | 3.80% | 1.48% | 9,103 |
| Q4 2025 | $94.0M | $81.8M | $62.4M | $11.0M | $-356K | -0.38% | 3.95% | 1.67% | 9,075 |
| Q3 2025 | $95.2M | $83.0M | $65.2M | $11.5M | $149K | 0.21% | 3.87% | 1.45% | 9,053 |
| Q2 2025 | $99.2M | $86.5M | $67.1M | $11.5M | $155K | 0.31% | 3.71% | 0.95% | 8,980 |
| Q1 2025 | $100.4M | $88.1M | $69.8M | $11.4M | $-131K | -0.52% | 3.59% | 0.89% | 8,908 |
| Q4 2024 | $97.0M | $85.1M | $72.3M | $11.4M | $94K | 0.10% | 3.49% | 0.88% | 8,869 |
| Q3 2024 | $98.0M | $86.2M | $73.1M | $11.4M | $75K | 0.10% | 3.42% | 0.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.46% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -4.2% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,901 |
| Q2 2024 | $98.3M | $86.5M | $72.9M | $11.3M | $-2K | -0.00% | 3.30% | 0.72% | 8,898 |
Loan mix (Q2 2026): real estate $15.0M · commercial $699K · consumer $47.2M · securities $18.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 80.6% | 80th |
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.
4 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Grant, IN, ranked 9th with 3.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grant, IN | 3 | $64.2M* | 3.75% | 9th |
| Oakland, MI | 1 | $21.4M* | 0.02% | 63rd |
Indiana: 175th with 0.02% · Michigan: 264th with 0.01% · Detroit-Warren-Dearborn metro: 93rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4