| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.7% | -1.6 pts |
| Share growth (YoY) | +2.5% | +4.2% | -1.7 pts |
| Loan growth (YoY) | -4.8% | +4.3% | -9.1 pts |
| ROA | 0.65% | 0.75% | -0.1 pts |
| ROE | 5.0% | 6.9% | -1.9 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $873.9M | $752.5M | $617.1M | $115.0M | $2.8M | 0.65% | 4.12% | 2.45% | 68,779 |
| Q1 2026 | $876.3M | $756.7M | $604.0M | $116.2M | $861K | 0.39% | 4.08% | 2.55% | 68,337 |
| Q4 2025 | $869.0M | $750.0M | $611.5M | $115.3M | $8.7M | 1.00% | 4.04% | 3.18% | 68,889 |
| Q3 2025 | $858.9M | $742.1M | $634.1M | $113.1M | $6.4M | 1.00% | 4.05% | 3.17% | 69,938 |
| Q2 2025 | $847.9M | $734.1M | $648.4M | $110.1M | $3.5M | 0.82% | 4.06% | 2.89% | 70,517 |
| Q1 2025 | $836.8M | $725.1M | $652.8M | $111.4M | $1.5M | 0.70% | 4.08% | 2.66% | 70,499 |
| Q4 2024 | $837.2M | $726.9M | $658.3M | $109.9M | $2.0M | 0.24% | 3.61% | 3.12% | 70,517 |
| Q3 2024 | $841.3M | $732.6M | $675.1M | $108.0M | $158K | 0.03% | 3.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.75% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 6.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 2.68% |
| 70,999 |
| Q2 2024 | $800.8M | $693.7M | $688.9M | $106.8M | $-1.1M | -0.27% | 3.58% | 2.44% | 71,282 |
Loan mix (Q2 2026): real estate $6.2M · commercial $2.6M · consumer $480.8M · securities $169.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.3% | 77.1% | 1st |
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.
11 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: St. Joseph, IN, ranked 5th with 5.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Joseph, IN | 7 | $478.9M* | 5.56% | 5th |
| Elkhart, IN | 2 | $136.8M* | 2.01% | 10th |
| Kosciusko, IN | 1 | $68.4M* | 2.44% | 11th |
| 1 more county with Pro → | ||||
Indiana: 58th with 0.29% · South Bend-Mishawaka metro: 5th, 5.23% · Elkhart-Goshen metro: 10th, 2.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11 · 2026 11