| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.6% | +1.3% | -16.9 pts |
| Share growth (YoY) | -22.5% | +0.9% | -23.5 pts |
| Loan growth (YoY) | -5.0% | -2.6% | -2.4 pts |
| ROA | 1.80% | 0.65% | +1.2 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $847K | $597K | $407K | $248K | $8K | 1.80% | 7.31% | 2.64% | 168 |
| Q1 2026 | $880K | $637K | $394K | $241K | $164 | 0.07% | 5.49% | 3.09% | 177 |
| Q4 2025 | $965K | $722K | $408K | $241K | $15K | 1.58% | 7.09% | 3.48% | 184 |
| Q3 2025 | $974K | $739K | $419K | $233K | $8K | 1.06% | 6.16% | 4.11% | 186 |
| Q2 2025 | $1.0M | $771K | $429K | $230K | $5K | 0.99% | 5.95% | 7.31% | 169 |
| Q1 2025 | $1.0M | $780K | $449K | $228K | $1K | 0.52% | 5.88% | 9.81% | 201 |
| Q4 2024 | $1.0M | $775K | $468K | $225K | $6K | 0.56% | 5.96% | 11.31% | 220 |
| Q3 2024 | $1.0M | $798K | $477K | $223K | $3K | 0.40% | 5.72% | 12.09% | 243 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 7.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.0M |
| $789K |
| $475K |
| $222K |
| $2K |
| 0.40% |
| 5.60% |
| 9.58% |
| 242 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $407K · securities $225K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 80.6% | 37th |
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: Fountain, IN, ranked 6th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fountain, IN | 1 | $597K* | 0.11% | 6th |
Indiana: 285th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1