| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +1.2% | +0.9% | +0.3 pts |
| Loan growth (YoY) | +5.8% | -2.6% | +8.4 pts |
| ROA | 1.23% | 0.65% | +0.6 pts |
| ROE | 6.8% | 4.4% | +2.4 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.8M | $43.1M | $43.2M | $9.5M | $324K | 1.23% | 5.25% | 1.21% | 4,885 |
| Q1 2026 | $53.8M | $44.3M | $42.1M | $9.3M | $-27K | -0.20% | 4.78% | 0.23% | 4,868 |
| Q4 2025 | $51.6M | $42.1M | $42.3M | $9.2M | $1.1M | 2.22% | 5.59% | 0.19% | 4,827 |
| Q3 2025 | $53.0M | $43.8M | $41.3M | $8.9M | $773K | 1.95% | 5.36% | 0.38% | 4,801 |
| Q2 2025 | $51.6M | $42.6M | $40.8M | $8.7M | $649K | 2.52% | 6.76% | 0.43% | 4,769 |
| Q1 2025 | $53.3M | $44.6M | $39.9M | $8.5M | $457K | 3.43% | 6.25% | 0.30% | 4,707 |
| Q4 2024 | $50.6M | $42.3M | $38.8M | $8.1M | $942K | 1.86% | 5.02% | 0.22% | 4,680 |
| Q3 2024 | $49.6M | $41.6M | $37.7M | $7.8M | $457K | 1.23% | 4.92% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,348 |
| Q2 2024 | $48.8M | $41.1M | $37.3M | $7.3M | $414K | 1.70% | 6.30% | 0.33% | 4,655 |
Loan mix (Q2 2026): real estate $12.7M · commercial $0 · consumer $25.7M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 80.6% | 27th |
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 2 counties across 1 state (+2 vs 2025). Biggest market: Marion, IN, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 2 | $28.8M* | 0.06% | 37th |
| Bartholomew, IN | 1 | $14.4M* | 0.59% | 11th |
Indiana: 194th with 0.02% · Indianapolis-Carmel-Greenwood metro: 63rd, 0.03% · Columbus metro: 11th, 0.59% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3