| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.3 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.2 pts |
| ROA | 1.62% | 0.60% | +1.0 pts |
| ROE | 8.9% | 4.1% | +4.8 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.7M | $17.7M | $11.6M | $3.9M | $88K | 1.62% | 3.62% | 0.34% | 1,940 |
| Q4 2025 | $21.1M | $17.1M | $11.7M | $3.9M | $186K | 0.88% | 3.92% | 0.03% | 1,915 |
| Q3 2025 | $20.9M | $17.1M | $12.1M | $3.8M | $123K | 0.78% | 3.92% | 0.44% | 1,904 |
| Q2 2025 | $20.7M | $16.9M | $12.4M | $3.7M | $66K | 0.64% | 4.00% | 2.03% | 1,886 |
| Q1 2025 | $21.3M | $17.5M | $12.4M | $3.7M | $-7K | -0.14% | 3.34% | 2.02% | 2,354 |
| Q4 2024 | $20.4M | $16.7M | $13.0M | $3.7M | $203K | 0.99% | 3.82% | 2.25% | 1,968 |
| Q3 2024 | $19.8M | $16.1M | $12.9M | $3.6M | $151K | 1.02% | 4.04% | 1.51% | 1,857 |
| Q2 2024 | $20.0M | $16.3M | $12.8M | $3.6M | $111K | 1.11% | 4.01% | 1.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,890 |
Loan mix (Q1 2026): real estate $119K · commercial $0 · consumer $11.1M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 81.5% | 26th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Grant, IN, ranked 13th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grant, IN | 1 | $16.9M* | 1.02% | 13th |
Indiana: 238th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1