| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.1 pts |
| ROA | -1.15% | 0.60% | -1.8 pts |
| ROE | -13.2% | 4.1% | -17.3 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.9M | $4.5M | $3.3M | $430K | $-14K | -1.15% | 3.84% | 0.00% | 788 |
| Q4 2025 | $4.8M | $4.3M | $3.4M | $445K | $-13K | -0.28% | 4.27% | 0.00% | 781 |
| Q3 2025 | $5.0M | $4.5M | $3.6M | $447K | $-12K | -0.31% | 4.07% | 0.97% | 1,029 |
| Q2 2025 | $4.9M | $4.4M | $3.5M | $452K | $-13K | -0.54% | 4.05% | 1.09% | 790 |
| Q1 2025 | $4.9M | $4.4M | $3.4M | $458K | $-7K | -0.58% | 3.97% | 0.12% | 796 |
| Q4 2024 | $4.8M | $4.3M | $3.5M | $458K | $-40K | -0.85% | 3.71% | 0.00% | 805 |
| Q3 2024 | $5.0M | $4.5M | $3.8M | $463K | $-35K | -0.94% | 3.40% | 0.00% | 993 |
| Q2 2024 | $5.0M | $4.5M | $4.2M | $475K | $-23K | -0.92% | 3.30% | 0.00% | 828 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.15% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -13.2% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 128.2% | 81.5% | 96th |
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.
2 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Allen, IN, ranked 44th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 1 | $2.2M* | 0.02% | 44th |
| Beadle, SD | 1 | $2.2M* | 0.30% | 10th |
South Dakota: 115th with 0.00% · Indiana: 267th with 0.00% · Fort Wayne metro: 48th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2