| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +6.3% | +0.9% | +5.4 pts |
| Loan growth (YoY) | +0.9% | -2.6% | +3.5 pts |
| ROA | 0.24% | 0.65% | -0.4 pts |
| ROE | 2.4% | 4.4% | -2.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.5M | $34.7M | $11.2M | $3.9M | $47K | 0.24% | 3.94% | 0.08% | 3,492 |
| Q1 2026 | $40.1M | $36.1M | $10.5M | $3.9M | $-851 | -0.01% | 3.65% | 0.14% | 3,550 |
| Q4 2025 | $37.3M | $33.3M | $10.9M | $3.9M | $38K | 0.10% | 3.91% | 0.24% | 3,567 |
| Q3 2025 | $36.8M | $32.9M | $11.1M | $3.8M | $-48K | -0.17% | 3.89% | 0.35% | 3,613 |
| Q2 2025 | $36.7M | $32.6M | $11.1M | $3.7M | $-121K | -0.66% | 3.76% | 0.45% | 3,640 |
| Q1 2025 | $37.3M | $33.2M | $11.1M | $3.8M | $-88K | -0.94% | 3.54% | 1.20% | 3,668 |
| Q4 2024 | $35.6M | $31.6M | $10.8M | $3.9M | $330K | 0.93% | 3.80% | 0.81% | 3,687 |
| Q3 2024 | $35.9M | $31.8M | $10.9M | $3.8M | $273K | 1.02% | 3.71% | 0.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,715 |
| Q2 2024 | $35.5M | $31.6M | $10.6M | $3.8M | $237K | 1.34% | 3.59% | 0.62% | 3,754 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $8.3M · securities $21.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 80.6% | 82nd |
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: Howard, IN, ranked 13th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Howard, IN | 1 | $34.7M* | 1.29% | 13th |
Indiana: 207th with 0.01% · Kokomo metro: 13th, 1.29% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1