| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.8% | +0.7% | +2.1 pts |
| Loan growth (YoY) | +6.8% | -2.4% | +9.1 pts |
| ROA | 1.09% | 0.60% | +0.5 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.3M | $43.3M | $34.4M | $4.8M | $132K | 1.09% | 3.49% | 0.93% | 3,076 |
| Q4 2025 | $46.3M | $41.4M | $33.7M | $4.7M | $525K | 1.13% | 3.54% | 1.04% | 3,013 |
| Q3 2025 | $45.5M | $40.8M | $33.5M | $4.6M | $370K | 1.09% | 3.54% | 0.56% | 2,981 |
| Q2 2025 | $46.0M | $41.3M | $32.9M | $4.4M | $220K | 0.96% | 3.44% | 0.32% | 2,907 |
| Q1 2025 | $46.6M | $42.1M | $32.3M | $4.3M | $85K | 0.73% | 3.31% | 0.54% | 2,851 |
| Q4 2024 | $46.1M | $41.7M | $31.5M | $4.2M | $356K | 0.77% | 3.23% | 0.80% | 2,824 |
| Q3 2024 | $45.7M | $41.4M | $31.0M | $4.1M | $256K | 0.75% | 3.21% | 0.84% | 2,802 |
| Q2 2024 | $43.7M | $39.5M | $30.2M | $4.0M | $167K | 0.77% | 3.28% | 0.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.60% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,792 |
Loan mix (Q1 2026): real estate $15.3M · commercial $0 · consumer $14.4M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 81.5% | 30th |
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: Dubois, IN, ranked 8th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dubois, IN | 1 | $41.3M* | 1.86% | 8th |
Indiana: 194th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1