| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +6.0% | +0.9% | +5.1 pts |
| Loan growth (YoY) | -8.9% | -2.6% | -6.3 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.4M | $18.2M | $11.3M | $3.2M | $98K | 0.91% | 4.27% | 0.54% | 3,016 |
| Q1 2026 | $21.0M | $17.8M | $11.2M | $3.2M | $24K | 0.47% | 3.84% | 0.36% | 2,991 |
| Q4 2025 | $20.3M | $17.1M | $12.2M | $3.1M | $207K | 1.02% | 5.05% | 0.25% | 2,987 |
| Q3 2025 | $20.2M | $17.0M | $12.7M | $3.2M | $229K | 1.51% | 4.91% | 0.13% | 2,998 |
| Q2 2025 | $20.3M | $17.2M | $12.5M | $3.1M | $160K | 1.58% | 4.93% | 0.22% | 3,001 |
| Q1 2025 | $20.4M | $17.4M | $12.2M | $3.0M | $67K | 1.32% | 4.62% | 0.34% | 3,001 |
| Q4 2024 | $20.0M | $17.0M | $12.3M | $2.9M | $162K | 0.81% | 4.75% | 0.43% | 2,996 |
| Q3 2024 | $20.1M | $17.2M | $12.2M | $2.9M | $161K | 1.07% | 4.35% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,015 |
| Q2 2024 | $20.2M | $17.3M | $12.2M | $2.9M | $103K | 1.02% | 4.14% | 0.21% | 2,982 |
Loan mix (Q2 2026): real estate $840K · commercial $0 · consumer $10.3M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 80.6% | 39th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Allen, IN, ranked 45th with 0.1% of deposits.
Indiana: 258th with 0.00% · Illinois: 526th with 0.00% · Chicago-Naperville-Elgin metro: 223rd, 0.00% · Fort Wayne metro: 49th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2