| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.7 pts |
| Loan growth (YoY) | -4.7% | -2.6% | -2.1 pts |
| ROA | 1.72% | 0.65% | +1.1 pts |
| ROE | 12.7% | 4.4% | +8.4 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.4M | $38.2M | $20.5M | $6.0M | $381K | 1.72% | 4.41% | 1.05% | 5,302 |
| Q1 2026 | $45.2M | $39.2M | $21.4M | $5.8M | $189K | 1.67% | 4.28% | 1.08% | 5,304 |
| Q4 2025 | $42.4M | $36.6M | $22.4M | $5.6M | $803K | 1.89% | 4.66% | 0.82% | 5,309 |
| Q3 2025 | $43.4M | $37.8M | $20.8M | $5.4M | $516K | 1.58% | 4.47% | 0.65% | 5,310 |
| Q2 2025 | $42.6M | $37.2M | $21.5M | $5.2M | $361K | 1.69% | 4.46% | 0.42% | 5,303 |
| Q1 2025 | $42.5M | $37.3M | $19.7M | $5.0M | $155K | 1.46% | 4.31% | 1.27% | 5,296 |
| Q4 2024 | $40.5M | $35.6M | $20.6M | $4.8M | $723K | 1.78% | 4.52% | 0.73% | 5,295 |
| Q3 2024 | $39.8M | $35.0M | $21.9M | $4.6M | $518K | 1.74% | 4.55% | 1.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,334 |
| Q2 2024 | $39.5M | $34.9M | $22.0M | $4.4M | $344K | 1.74% | 4.48% | 0.85% | 5,336 |
Loan mix (Q2 2026): real estate $7.7M · commercial $0 · consumer $12.2M · securities $17.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 80.6% | 19th |
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: Henry, IN, ranked 5th with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Henry, IN | 1 | $38.2M* | 4.26% | 5th |
Indiana: 200th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1