| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.9% | +1.3% | -12.2 pts |
| Share growth (YoY) | -14.3% | +0.9% | -15.2 pts |
| Loan growth (YoY) | -29.3% | -2.6% | -26.6 pts |
| ROA | 4.12% | 0.65% | +3.5 pts |
| ROE | 16.4% | 4.4% | +12.0 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $399K | $295K | $153K | $100K | $8K | 4.12% | 5.60% | 0.00% | 182 |
| Q1 2026 | $407K | $317K | $167K | $90K | $-1K | -1.07% | 3.38% | 0.00% | 192 |
| Q4 2025 | $417K | $325K | $179K | $91K | $7K | 1.57% | 3.64% | 0.00% | 192 |
| Q3 2025 | $429K | $333K | $157K | $96K | $11K | 3.37% | 3.40% | 0.46% | 193 |
| Q2 2025 | $448K | $344K | $216K | $104K | $19K | 8.41% | 3.19% | 0.37% | 194 |
| Q1 2025 | $499K | $400K | $244K | $100K | $-667 | -0.54% | 3.14% | 1.13% | 279 |
| Q4 2024 | $469K | $384K | $281K | $85K | $-92K | -19.56% | 4.58% | 1.06% | 280 |
| Q3 2024 | $748K | $581K | $544K | $168K | $17K | 3.07% | 3.82% | 0.00% | 215 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.12% | 0.65% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $748K | $581K | $544K | $168K | $4K | 0.94% | 2.09% | 0.00% | 281 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $153K · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.1% | 80.6% | 88th |
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: Marion, IN, ranked 51st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 1 | $295K* | 0.00% | 51st |
Indiana: 288th with 0.00% · Indianapolis-Carmel-Greenwood metro: 82nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1