| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.2% | +1.3% | +14.9 pts |
| Share growth (YoY) | +15.7% | +0.9% | +14.7 pts |
| Loan growth (YoY) | +12.0% | -2.6% | +14.6 pts |
| ROA | 1.57% | 0.65% | +0.9 pts |
| ROE | 8.4% | 4.4% | +4.0 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.6M | $33.4M | $20.9M | $7.7M | $326K | 1.57% | 4.20% | 0.00% | 3,390 |
| Q1 2026 | $39.4M | $32.0M | $19.7M | $7.3M | $198K | 2.01% | 4.33% | 0.00% | 3,280 |
| Q4 2025 | $37.5M | $30.2M | $19.2M | $7.2M | $600K | 1.60% | 4.31% | 0.04% | 3,285 |
| Q3 2025 | $36.8M | $29.7M | $19.1M | $7.0M | $440K | 1.59% | 4.32% | 0.07% | 3,313 |
| Q2 2025 | $35.8M | $28.8M | $18.6M | $6.8M | $276K | 1.55% | 4.37% | 0.08% | 3,357 |
| Q1 2025 | $36.8M | $30.1M | $18.2M | $6.7M | $135K | 1.46% | 4.13% | 0.01% | 3,358 |
| Q4 2024 | $35.6M | $29.0M | $18.4M | $6.6M | $483K | 1.36% | 4.04% | 0.04% | 3,372 |
| Q3 2024 | $35.1M | $28.6M | $18.7M | $6.5M | $388K | 1.47% | 4.00% | 0.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,408 |
| Q2 2024 | $35.8M | $29.5M | $18.2M | $6.3M | $253K | 1.41% | 3.87% | 0.38% | 3,408 |
Loan mix (Q2 2026): real estate $3.9M · commercial $0 · consumer $15.5M · securities $16.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 80.6% | 36th |
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 1 state (+0 vs 2025). Biggest market: Wayne, IN, ranked 11th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, IN | 1 | $16.7M* | 0.60% | 11th |
| Fayette, IN | 1 | $16.7M* | 2.54% | 9th |
Indiana: 209th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2