| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.1 pts |
| Share growth (YoY) | +1.8% | +0.9% | +0.8 pts |
| Loan growth (YoY) | +43.2% | -2.6% | +45.8 pts |
| ROA | 0.07% | 0.65% | -0.6 pts |
| ROE | 0.6% | 4.4% | -3.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.2M | $82.3M | $63.8M | $10.3M | $32K | 0.07% | 4.00% | 0.42% | 8,803 |
| Q1 2026 | $93.8M | $82.8M | $58.3M | $10.3M | $17K | 0.07% | 3.99% | 0.33% | 8,972 |
| Q4 2025 | $92.0M | $81.0M | $58.0M | $10.3M | $90K | 0.10% | 3.41% | 0.35% | 9,137 |
| Q3 2025 | $91.4M | $80.1M | $43.9M | $10.3M | $85K | 0.12% | 3.47% | 0.48% | 9,286 |
| Q2 2025 | $92.2M | $80.9M | $44.5M | $10.3M | $81K | 0.17% | 3.48% | 0.57% | 9,507 |
| Q1 2025 | $96.1M | $84.8M | $49.5M | $10.3M | $59K | 0.25% | 3.34% | 0.38% | 9,763 |
| Q4 2024 | $96.0M | $79.8M | $55.2M | $10.2M | $177K | 0.18% | 3.47% | 0.67% | 9,980 |
| Q3 2024 | $94.5M | $77.9M | $57.9M | $10.2M | $145K | 0.20% | 3.48% | 0.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 10,713 |
| Q2 2024 | $93.8M | $77.4M | $61.3M | $10.1M | $99K | 0.21% | 3.47% | 0.24% | 10,754 |
Loan mix (Q2 2026): real estate $12.0M · commercial $0 · consumer $51.6M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 80.6% | 72nd |
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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Marion, IN, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 1 | $41.2M* | 0.08% | 33rd |
| Hancock, IN | 1 | $41.2M* | 2.05% | 10th |
Indiana: 164th with 0.03% · Indianapolis-Carmel-Greenwood metro: 51st, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2