| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.5 pts |
| Loan growth (YoY) | -10.1% | -2.6% | -7.5 pts |
| ROA | 0.55% | 0.65% | -0.1 pts |
| ROE | 4.4% | 4.4% | -0.0 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.1M | $76.9M | $28.1M | $11.1M | $242K | 0.55% | 3.33% | 0.27% | 4,788 |
| Q1 2026 | $89.6M | $78.5M | $28.5M | $11.0M | $114K | 0.51% | 3.22% | 0.27% | 4,805 |
| Q4 2025 | $86.0M | $75.0M | $29.5M | $10.8M | $643K | 0.75% | 3.31% | 0.33% | 4,812 |
| Q3 2025 | $85.6M | $74.8M | $31.0M | $10.7M | $481K | 0.75% | 3.32% | 0.31% | 4,914 |
| Q2 2025 | $87.1M | $76.5M | $31.3M | $10.5M | $292K | 0.67% | 3.21% | 0.27% | 4,915 |
| Q1 2025 | $87.4M | $76.9M | $32.6M | $10.4M | $166K | 0.76% | 3.15% | 0.15% | 4,911 |
| Q4 2024 | $85.2M | $74.9M | $33.2M | $10.2M | $535K | 0.63% | 3.09% | 0.19% | 4,914 |
| Q3 2024 | $83.1M | $72.9M | $33.4M | $10.0M | $371K | 0.59% | 3.13% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,974 |
| Q2 2024 | $82.6M | $72.7M | $33.4M | $9.9M | $235K | 0.57% | 3.08% | 0.14% | 4,987 |
Loan mix (Q2 2026): real estate $7.5M · commercial $375K · consumer $18.7M · securities $39.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 80.6% | 49th |
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 (+1 vs 2025). Biggest market: Marion, IN, ranked 26th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 2 | $76.9M* | 0.16% | 26th |
Indiana: 168th with 0.03% · Indianapolis-Carmel-Greenwood metro: 52nd, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2