| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.6% | +1.3% | +13.3 pts |
| Share growth (YoY) | +16.3% | +0.7% | +15.6 pts |
| Loan growth (YoY) | -5.4% | -2.4% | -3.1 pts |
| ROA | 0.15% | 0.60% | -0.5 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.3M | $21.0M | $10.5M | $2.2M | $9K | 0.15% | 2.93% | 2.72% | 2,049 |
| Q4 2025 | $22.3M | $20.0M | $10.7M | $2.2M | $29K | 0.13% | 2.81% | 2.58% | 2,061 |
| Q3 2025 | $21.2M | $18.9M | $10.9M | $2.2M | $43K | 0.27% | 2.91% | 3.65% | 2,070 |
| Q2 2025 | $20.7M | $18.4M | $10.9M | $2.2M | $-14K | -0.13% | 2.86% | 2.62% | 2,067 |
| Q1 2025 | $20.3M | $18.1M | $11.1M | $2.2M | $-19K | -0.37% | 2.80% | 2.88% | 2,065 |
| Q4 2024 | $20.9M | $18.6M | $11.5M | $2.2M | $-22K | -0.10% | 2.67% | 1.34% | 2,088 |
| Q3 2024 | $20.4M | $18.1M | $11.9M | $2.2M | $-28K | -0.18% | 2.70% | 2.36% | 2,081 |
| Q2 2024 | $19.7M | $17.4M | $12.3M | $2.2M | $-23K | -0.23% | 2.80% | 1.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,083 |
Loan mix (Q1 2026): real estate $858K · commercial $0 · consumer $8.1M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 81.5% | 77th |
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 2024). Biggest market: Dearborn, IN, ranked 8th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dearborn, IN | 1 | $18.4M* | 1.27% | 8th |
Indiana: 232nd with 0.01% · Cincinnati metro: 78th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1