| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -42.9% | +1.3% | -44.2 pts |
| Share growth (YoY) | -16.9% | +0.9% | -17.9 pts |
| Loan growth (YoY) | -29.3% | -2.6% | -26.7 pts |
| ROA | -90.06% | 0.65% | -90.7 pts |
| ROE | 258.5% | 4.4% | +254.1 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.3M | $1.7M | $921K | $-440K | $-569K | -90.06% | 2.10% | 40.21% | 312 |
| Q1 2026 | $2.3M | $2.1M | $1.4M | $247K | $823 | 0.14% | 1.40% | 1.06% | 405 |
| Q4 2025 | $2.2M | $2.0M | $1.4M | $247K | $6K | 0.25% | 1.62% | 0.87% | 403 |
| Q3 2025 | $2.2M | $1.9M | $1.4M | $255K | $9K | 0.53% | 1.90% | 2.42% | 403 |
| Q2 2025 | $2.2M | $2.0M | $1.3M | $210K | $-48K | -4.29% | 1.50% | 10.39% | 381 |
| Q1 2025 | $2.3M | $2.1M | $1.4M | $247K | $823 | 0.14% | 1.40% | 1.06% | 405 |
| Q4 2024 | $2.2M | $2.0M | $1.4M | $247K | $6K | 0.25% | 1.62% | 0.87% | 403 |
| Q3 2024 | $2.2M | $1.9M | $1.4M | $255K | $9K | 0.53% | 1.90% | 2.42% | 403 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -90.06% | 0.65% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | 258.5% | 4.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.3M | $2.0M | $1.5M | $250K | $3K | 0.28% | 1.57% | 3.14% | 401 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $904K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 2850.2% | 80.6% | 100th |
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 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, IN | 1 | $1.7M* | 0.01% | 35th |
Indiana: 277th with 0.00% · Chicago-Naperville-Elgin metro: 246th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1