| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | 0.0% | +0.9% | -0.9 pts |
| Loan growth (YoY) | 0.0% | -2.6% | +2.6 pts |
| ROA | -1.11% | 0.65% | -1.8 pts |
| ROE | -2.7% | 4.4% | -7.1 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $537K | $308K | $149K | $218K | $-3K | -1.11% | 5.78% | 7.73% | 137 |
| Q1 2026 | $544K | $319K | $126K | $216K | $-4K | -3.05% | 5.35% | 0.54% | 135 |
| Q4 2025 | $526K | $296K | $131K | $221K | $301 | 0.06% | 5.85% | 4.10% | 131 |
| Q3 2025 | $528K | $297K | $142K | $219K | $-2K | -0.43% | 5.78% | 3.84% | 132 |
| Q2 2025 | $537K | $308K | $149K | $218K | $-3K | -1.11% | 5.78% | 7.73% | 137 |
| Q1 2025 | $544K | $319K | $126K | $216K | $-4K | -3.05% | 5.35% | 0.54% | 135 |
| Q4 2024 | $528K | $302K | $129K | $221K | $6K | 1.22% | 6.06% | 0.51% | 137 |
| Q3 2024 | $533K | $309K | $141K | $218K | $3K | 0.86% | 5.61% | 0.00% | 136 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.11% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $521K | $300K | $106K | $215K | $837 | 0.32% | 5.86% | 0.00% | 139 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $149K · securities $285K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 118.2% | 80.6% | 95th |
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 2025). Biggest market: Lake, IN, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, IN | 1 | $308K* | 0.00% | 39th |
Indiana: 287th with 0.00% · Chicago-Naperville-Elgin metro: 268th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1