| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.3 pts |
| Loan growth (YoY) | +8.2% | -2.6% | +10.8 pts |
| ROA | 0.71% | 0.65% | +0.1 pts |
| ROE | 5.3% | 4.4% | +0.9 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.9M | $31.2M | $21.5M | $4.8M | $127K | 0.71% | 3.72% | 2.04% | 2,615 |
| Q1 2026 | $37.7M | $33.0M | $21.1M | $4.4M | $58K | 0.62% | 3.39% | 3.09% | 2,629 |
| Q4 2025 | $37.3M | $32.6M | $20.9M | $4.4M | $252K | 0.67% | 3.13% | 0.84% | 2,632 |
| Q3 2025 | $36.4M | $31.8M | $20.5M | $4.3M | $230K | 0.84% | 3.15% | 1.20% | 2,635 |
| Q2 2025 | $36.1M | $31.6M | $19.9M | $4.2M | $134K | 0.74% | 3.06% | 0.96% | 2,647 |
| Q1 2025 | $36.5M | $32.1M | $19.4M | $4.1M | $46K | 0.51% | 2.93% | 0.61% | 2,637 |
| Q4 2024 | $34.9M | $30.5M | $19.6M | $4.1M | $321K | 0.92% | 2.98% | 0.69% | 2,656 |
| Q3 2024 | $34.7M | $30.5M | $20.0M | $4.0M | $183K | 0.70% | 2.93% | 0.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,053 |
| Q2 2024 | $33.2M | $29.2M | $19.8M | $3.8M | $63K | 0.38% | 2.94% | 0.67% | 2,732 |
Loan mix (Q2 2026): real estate $14.4M · commercial $1.0M · consumer $5.5M · securities $13.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 80.6% | 43rd |
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 1 county across 1 state (+0 vs 2025). Biggest market: Huntington, IN, ranked 12th with 2.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Huntington, IN | 2 | $31.2M* | 2.46% | 12th |
Indiana: 213th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2