| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.4 pts |
| Loan growth (YoY) | -24.1% | -2.6% | -21.5 pts |
| ROA | -4.49% | 0.65% | -5.1 pts |
| ROE | -10.9% | 4.4% | -15.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.2M | $712K | $218K | $502K | $-27K | -4.49% | 2.59% | 0.00% | 98 |
| Q1 2026 | $1.2M | $711K | $231K | $510K | $-19K | -6.16% | 2.80% | 9.70% | 101 |
| Q4 2025 | $1.2M | $713K | $242K | $530K | $-46K | -3.74% | 2.99% | 13.75% | 101 |
| Q3 2025 | $1.3M | $719K | $265K | $546K | $-30K | -3.17% | 2.82% | 9.11% | 102 |
| Q2 2025 | $1.3M | $722K | $287K | $550K | $-26K | -4.14% | 2.76% | 8.61% | 102 |
| Q1 2025 | $1.3M | $721K | $269K | $561K | $-15K | -4.75% | 2.76% | 0.93% | 103 |
| Q4 2024 | $1.3M | $712K | $267K | $576K | $-38K | -2.93% | 3.55% | 1.33% | 103 |
| Q3 2024 | $1.3M | $712K | $278K | $590K | $-24K | -2.45% | 3.40% | 1.69% | 103 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.49% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -10.9% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.3M | $703K | $272K | $600K | $-14K | -2.12% | 3.77% | 5.54% | 105 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $218K · securities $667
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 266.3% | 80.6% | 99th |
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 38th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, IN | 1 | $712K* | 0.00% | 38th |
Indiana: 284th with 0.00% · Chicago-Naperville-Elgin metro: 258th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1