| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +1.3% | +10.0 pts |
| Share growth (YoY) | +12.9% | +0.9% | +11.9 pts |
| Loan growth (YoY) | +3.8% | -2.6% | +6.5 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.2M | $27.2M | $10.0M | $6.1M | $97K | 0.58% | 2.64% | 0.19% | 1,906 |
| Q1 2026 | $32.4M | $26.3M | $9.9M | $6.0M | $90K | 1.11% | 3.04% | 0.05% | 1,898 |
| Q4 2025 | $30.5M | $24.5M | $9.8M | $6.0M | $322K | 1.06% | 3.25% | 0.12% | 1,754 |
| Q3 2025 | $30.1M | $24.2M | $9.7M | $5.9M | $236K | 1.05% | 3.28% | 0.05% | 1,752 |
| Q2 2025 | $29.9M | $24.1M | $9.7M | $5.8M | $142K | 0.95% | 3.28% | 0.04% | 1,752 |
| Q1 2025 | $29.9M | $24.2M | $9.8M | $5.6M | $-41K | -0.55% | 3.18% | 0.23% | 1,742 |
| Q4 2024 | $29.0M | $23.3M | $9.9M | $5.6M | $287K | 0.99% | 3.11% | 0.37% | 1,744 |
| Q3 2024 | $29.2M | $23.7M | $10.0M | $5.5M | $196K | 0.90% | 3.02% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,744 |
| Q2 2024 | $28.9M | $23.4M | $10.1M | $5.4M | $90K | 0.62% | 2.95% | 0.61% | 1,740 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $7.1M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 80.6% | 42nd |
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: Adams, IN, ranked 9th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adams, IN | 1 | $27.2M* | 2.29% | 9th |
Indiana: 217th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1