| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.6% | +0.9% | +3.7 pts |
| Loan growth (YoY) | +4.8% | -2.6% | +7.4 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 5.1% | 4.4% | +0.7 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.0M | $31.3M | $13.5M | $3.6M | $91K | 0.52% | 3.58% | 0.94% | 3,160 |
| Q1 2026 | $34.4M | $30.8M | $14.4M | $3.5M | $50K | 0.58% | 3.58% | 0.78% | 3,208 |
| Q4 2025 | $33.2M | $29.7M | $15.2M | $3.5M | $199K | 0.60% | 3.70% | 0.97% | 3,248 |
| Q3 2025 | $32.7M | $29.2M | $12.9M | $3.4M | $135K | 0.55% | 3.69% | 1.64% | 3,304 |
| Q2 2025 | $33.4M | $29.9M | $12.9M | $3.4M | $87K | 0.52% | 3.56% | 2.03% | 3,368 |
| Q1 2025 | $33.0M | $29.6M | $12.7M | $3.3M | $40K | 0.49% | 3.49% | 0.87% | 3,415 |
| Q4 2024 | $32.0M | $28.7M | $13.2M | $3.3M | $202K | 0.63% | 3.44% | 1.28% | 3,450 |
| Q3 2024 | $31.7M | $28.4M | $13.5M | $3.2M | $159K | 0.67% | 3.42% | 1.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,310 |
| Q2 2024 | $32.0M | $28.8M | $14.3M | $3.2M | $94K | 0.59% | 3.30% | 1.67% | 3,551 |
Loan mix (Q2 2026): real estate $2.7M · commercial $0 · consumer $10.0M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 80.6% | 70th |
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: Delaware, IN, ranked 11th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Delaware, IN | 2 | $31.3M* | 0.73% | 11th |
Indiana: 212th with 0.01% · Muncie metro: 11th, 0.73% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2