| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -3.6% | +0.9% | -4.6 pts |
| Loan growth (YoY) | -12.0% | -2.6% | -9.4 pts |
| ROA | -3.54% | 0.65% | -4.2 pts |
| ROE | -34.0% | 4.4% | -38.4 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.2M | $27.0M | $12.5M | $3.1M | $-535K | -3.54% | 5.14% | 2.20% | 6,090 |
| Q1 2026 | $31.5M | $28.0M | $12.3M | $3.3M | $-348K | -4.42% | 4.88% | 3.08% | 6,544 |
| Q4 2025 | $30.9M | $27.0M | $13.6M | $3.7M | $185K | 0.60% | 5.31% | 4.28% | 7,332 |
| Q3 2025 | $31.3M | $27.2M | $13.6M | $3.8M | $264K | 1.12% | 5.15% | 3.67% | 7,349 |
| Q2 2025 | $31.9M | $28.0M | $14.2M | $3.5M | $-1K | -0.01% | 5.04% | 2.04% | 7,415 |
| Q1 2025 | $33.0M | $29.2M | $13.3M | $3.6M | $101K | 1.22% | 4.79% | 2.91% | 7,435 |
| Q4 2024 | $30.9M | $27.2M | $14.5M | $3.5M | $98K | 0.32% | 5.15% | 2.14% | 7,491 |
| Q3 2024 | $31.4M | $27.6M | $14.4M | $3.5M | $126K | 0.54% | 4.99% | 1.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.54% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -34.0% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,500 |
| Q2 2024 | $34.1M | $30.0M | $15.2M | $3.5M | $62K | 0.36% | 4.53% | 1.10% | 7,572 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $10.0M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.4% | 80.6% | 87th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Marion, IN, ranked 38th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 3 | $27.0M* | 0.06% | 38th |
Indiana: 218th with 0.01% · Indianapolis-Carmel-Greenwood metro: 65th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 3 · 2024 3 · 2025 3 · 2026 3