| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.8 pts |
| Loan growth (YoY) | -22.6% | -2.4% | -20.2 pts |
| ROA | 0.18% | 0.60% | -0.4 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.8M | $19.9M | $9.3M | $2.0M | $10K | 0.18% | 3.17% | 0.24% | 2,013 |
| Q4 2025 | $20.4M | $19.1M | $9.6M | $2.0M | $88K | 0.43% | 3.72% | 0.00% | 2,041 |
| Q3 2025 | $21.0M | $19.1M | $10.2M | $2.0M | $57K | 0.36% | 3.55% | 0.19% | 2,078 |
| Q2 2025 | $20.6M | $18.6M | $11.5M | $2.0M | $37K | 0.36% | 3.60% | 0.01% | 2,118 |
| Q1 2025 | $21.4M | $19.4M | $12.0M | $1.9M | $13K | 0.24% | 3.36% | 0.17% | 2,138 |
| Q4 2024 | $21.5M | $19.6M | $13.0M | $1.9M | $60K | 0.28% | 3.44% | 2.80% | 2,166 |
| Q3 2024 | $21.9M | $20.0M | $14.2M | $1.9M | $41K | 0.25% | 3.35% | 0.25% | 2,168 |
| Q2 2024 | $21.8M | $20.4M | $15.1M | $1.9M | $25K | 0.23% | 3.28% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,199 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $7.5M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.2% | 81.5% | 75th |
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.
3 branches in 1 county across 1 state (+0 vs 2024). Biggest market: La Porte, IN, ranked 15th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| La Porte, IN | 3 | $18.6M* | 0.59% | 15th |
Indiana: 230th with 0.01% · Michigan City-La Porte metro: 15th, 0.59% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3