| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +3.1% | +0.9% | +2.1 pts |
| Loan growth (YoY) | +3.4% | -2.6% | +6.0 pts |
| ROA | 0.95% | 0.65% | +0.3 pts |
| ROE | 9.4% | 4.4% | +5.0 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.7M | $50.9M | $25.4M | $5.7M | $269K | 0.95% | 3.49% | 1.20% | 3,268 |
| Q1 2026 | $57.1M | $51.4M | $24.4M | $5.6M | $109K | 0.76% | 3.40% | 0.79% | 3,309 |
| Q4 2025 | $57.0M | $51.4M | $24.8M | $5.5M | $626K | 1.10% | 3.28% | 0.76% | 3,346 |
| Q3 2025 | $56.6M | $51.1M | $24.7M | $5.3M | $428K | 1.01% | 3.24% | 0.87% | 3,381 |
| Q2 2025 | $54.6M | $49.4M | $24.6M | $5.1M | $250K | 0.91% | 3.28% | 0.87% | 3,406 |
| Q1 2025 | $55.3M | $50.1M | $24.0M | $5.0M | $122K | 0.88% | 3.16% | 0.80% | 3,420 |
| Q4 2024 | $54.6M | $49.6M | $24.3M | $4.8M | $291K | 0.53% | 2.86% | 0.86% | 3,446 |
| Q3 2024 | $53.2M | $48.3M | $24.8M | $4.7M | $169K | 0.42% | 2.84% | 0.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.65% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,473 |
| Q2 2024 | $53.0M | $48.2M | $24.3M | $4.6M | $88K | 0.33% | 2.77% | 1.29% | 3,488 |
Loan mix (Q2 2026): real estate $16.7M · commercial $0 · consumer $7.7M · securities $27.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 80.6% | 40th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Allen, IN, ranked 26th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 2 | $50.9M* | 0.40% | 26th |
Indiana: 184th with 0.02% · Fort Wayne metro: 30th, 0.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2