| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | -0.1% | +0.9% | -1.0 pts |
| Loan growth (YoY) | +27.8% | -2.6% | +30.4 pts |
| ROA | 0.45% | 0.65% | -0.2 pts |
| ROE | 1.6% | 4.4% | -2.8 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.3M | $947K | $369K | $386K | $3K | 0.45% | 1.75% | 1.41% | 286 |
| Q1 2026 | $1.3M | $920K | $371K | $383K | $5K | 1.66% | 5.28% | 1.51% | 289 |
| Q4 2025 | $1.4M | $974K | $407K | $378K | $11K | 0.79% | 4.02% | 1.55% | 289 |
| Q3 2025 | $1.4M | $985K | $273K | $375K | $11K | 1.12% | 4.12% | 2.93% | 287 |
| Q2 2025 | $1.3M | $948K | $288K | $370K | $-3K | -0.41% | 3.61% | 2.60% | 288 |
| Q1 2025 | $1.3M | $956K | $278K | $371K | $4K | 1.09% | 4.60% | 3.50% | 291 |
| Q4 2024 | $1.3M | $942K | $300K | $367K | $17K | 1.28% | 4.05% | 2.04% | 285 |
| Q3 2024 | $1.3M | $939K | $318K | $366K | $15K | 1.57% | 4.43% | 2.49% | 284 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.3M |
| $909K |
| $327K |
| $364K |
| $14K |
| 2.15% |
| 4.82% |
| 2.20% |
| 282 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $369K · securities $700K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 80.6% | 34th |
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 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, IN | 1 | $947K* | 0.01% | 36th |
Indiana: 280th with 0.00% · Chicago-Naperville-Elgin metro: 255th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1