Family Horizons Credit Union
Total assets
$93.8M
▼ -2.4% YoY
Shares & deposits
$82.8M
▼ -2.4% YoY
Loans
$58.3M
▲ +17.8% YoY
Members
8,972
▼ -8.1% YoY
ROA (annualized)
0.07%
peers 0.60%
ROE (annualized)
0.68%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.1 pts |
| Loan growth (YoY) | +17.8% | -2.4% | +20.2 pts |
| ROA | 0.07% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 6665 E 21St St, Indianapolis, IN, 46219
- NCUA charter #
- 64942
- RSSD ID
- 117999
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 10,713 |
| Q2 2024 | $93.8M | $77.4M | $61.3M | $10.1M | $99K | 0.21% | 3.47% | 0.24% | 10,754 |
Loan mix (Q1 2026): real estate $4.0M · commercial $0 · consumer $54.2M · securities $14.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.83% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 81.5% | 71th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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