| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.1% | -4.5 pts |
| Share growth (YoY) | -2.0% | +3.5% | -5.6 pts |
| Loan growth (YoY) | -6.4% | +2.9% | -9.2 pts |
| ROA | 0.31% | 0.74% | -0.4 pts |
| ROE | 2.2% | 6.5% | -4.3 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $176.9M | $155.6M | $82.8M | $25.1M | $273K | 0.31% | 4.18% | 1.63% | 11,119 |
| Q1 2026 | $179.5M | $158.1M | $86.9M | $24.9M | $58K | 0.13% | 4.06% | 1.85% | 11,180 |
| Q4 2025 | $175.6M | $154.6M | $91.4M | $24.9M | $1.1M | 0.61% | 4.27% | 2.16% | 11,245 |
| Q3 2025 | $177.8M | $157.2M | $95.3M | $24.2M | $368K | 0.28% | 4.18% | 2.02% | 11,424 |
| Q2 2025 | $177.5M | $158.8M | $88.4M | $23.8M | $-52K | -0.06% | 4.07% | 1.87% | 12,305 |
| Q1 2025 | $183.1M | $164.2M | $91.6M | $23.6M | $-313K | -0.68% | 3.92% | 2.32% | 12,348 |
| Q4 2024 | $176.8M | $160.0M | $95.5M | $23.9M | $1.1M | 0.65% | 4.08% | 1.53% | 12,402 |
| Q3 2024 | $181.1M | $161.8M | $100.4M | $23.4M | $654K | 0.48% | 4.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.74% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 6.5% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.15% |
| 12,458 |
| Q2 2024 | $180.5M | $163.0M | $104.3M | $23.0M | $302K | 0.33% | 4.02% | 1.06% | 12,672 |
Loan mix (Q2 2026): real estate $11.3M · commercial $0 · consumer $30.1M · securities $57.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 77.5% | 45th |
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.
3 branches in 3 counties across 1 state (-1 vs 2025). Biggest market: La Porte, IN, ranked 13th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| La Porte, IN | 1 | $51.9M* | 1.60% | 13th |
| Lake, IN | 1 | $51.9M* | 0.30% | 25th |
| Porter, IN | 1 | $51.9M* | 0.94% | 14th |
Indiana: 135th with 0.06% · Chicago-Naperville-Elgin metro: 153rd, 0.02% · Michigan City-La Porte metro: 13th, 1.60% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 3