| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.5% | +1.3% | +10.2 pts |
| Share growth (YoY) | +11.6% | +0.9% | +10.6 pts |
| Loan growth (YoY) | +5.7% | -2.6% | +8.3 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 8.3% | 4.4% | +3.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.9M | $19.1M | $14.5M | $1.7M | $71K | 0.68% | 3.49% | 0.23% | 3,565 |
| Q1 2026 | $21.2M | $19.5M | $14.1M | $1.7M | $32K | 0.61% | 3.36% | 0.27% | 3,528 |
| Q4 2025 | $20.1M | $18.5M | $13.9M | $1.6M | $163K | 0.81% | 3.42% | 0.98% | 3,514 |
| Q3 2025 | $19.4M | $17.7M | $14.1M | $1.6M | $121K | 0.83% | 3.50% | 0.20% | 3,530 |
| Q2 2025 | $18.7M | $17.1M | $13.7M | $1.6M | $68K | 0.72% | 3.53% | 0.56% | 3,512 |
| Q1 2025 | $19.0M | $17.5M | $13.3M | $1.5M | $29K | 0.62% | 3.44% | 0.48% | 3,511 |
| Q4 2024 | $18.5M | $17.0M | $13.6M | $1.5M | $129K | 0.70% | 3.52% | 0.64% | 3,547 |
| Q3 2024 | $18.5M | $17.0M | $13.5M | $1.5M | $108K | 0.78% | 3.51% | 0.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,770 |
| Q2 2024 | $18.0M | $16.6M | $13.8M | $1.5M | $64K | 0.71% | 3.48% | 0.61% | 4,185 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $14.0M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 80.6% | 65th |
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: Cass, IN, ranked 9th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cass, IN | 1 | $19.1M* | 1.42% | 9th |
Indiana: 233rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1