| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +9.1% | +0.9% | +8.2 pts |
| Loan growth (YoY) | -11.5% | -2.6% | -8.9 pts |
| ROA | 0.71% | 0.65% | +0.1 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.3M | $37.2M | $28.3M | $4.9M | $151K | 0.71% | 3.40% | 2.04% | 3,955 |
| Q1 2026 | $42.4M | $37.4M | $29.2M | $4.8M | $54K | 0.51% | 2.33% | 2.09% | 3,986 |
| Q4 2025 | $41.2M | $36.3M | $30.3M | $4.7M | $311K | 0.75% | 3.32% | 2.25% | 4,019 |
| Q3 2025 | $39.7M | $35.1M | $31.8M | $4.7M | $265K | 0.89% | 3.46% | 1.98% | 4,071 |
| Q2 2025 | $38.5M | $34.1M | $32.0M | $4.6M | $144K | 0.75% | 3.44% | 1.34% | 4,102 |
| Q1 2025 | $39.7M | $35.4M | $32.5M | $4.5M | $56K | 0.56% | 3.22% | 1.06% | 4,107 |
| Q4 2024 | $40.7M | $36.4M | $33.3M | $4.5M | $133K | 0.33% | 2.79% | 1.07% | 4,143 |
| Q3 2024 | $40.5M | $36.4M | $34.0M | $4.5M | $115K | 0.38% | 2.83% | 1.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,137 |
| Q2 2024 | $39.7M | $35.7M | $34.1M | $4.4M | $52K | 0.26% | 2.80% | 1.31% | 4,111 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $25.8M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 80.6% | 49th |
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: Howard, IN, ranked 12th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Howard, IN | 1 | $37.2M* | 1.39% | 12th |
Indiana: 202nd with 0.01% · Kokomo metro: 12th, 1.39% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1