| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | 0.0% | +0.9% | -0.9 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.4 pts |
| ROA | 3.54% | 0.65% | +2.9 pts |
| ROE | 10.6% | 4.4% | +6.3 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.2M | $24.7M | $26.0M | $12.4M | $659K | 3.54% | 6.36% | 1.68% | 3,985 |
| Q1 2026 | $37.5M | $25.4M | $25.6M | $12.0M | $327K | 3.49% | 6.25% | 1.99% | 3,982 |
| Q4 2025 | $36.4M | $24.6M | $25.8M | $11.7M | $1.4M | 3.94% | 6.64% | 2.06% | 3,965 |
| Q3 2025 | $35.5M | $24.1M | $25.8M | $11.4M | $1.1M | 4.07% | 6.81% | 1.10% | 3,971 |
| Q2 2025 | $35.8M | $24.7M | $26.1M | $11.0M | $723K | 4.04% | 6.70% | 1.02% | 4,036 |
| Q1 2025 | $36.2M | $25.5M | $25.6M | $10.6M | $347K | 3.83% | 6.49% | 1.38% | 3,995 |
| Q4 2024 | $37.1M | $26.8M | $25.5M | $10.3M | $1.3M | 3.44% | 6.08% | 1.29% | 4,006 |
| Q3 2024 | $37.1M | $27.0M | $25.8M | $9.9M | $927K | 3.33% | 5.98% | 1.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.54% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 4.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,843 |
| Q2 2024 | $36.7M | $26.9M | $25.5M | $9.6M | $608K | 3.32% | 5.91% | 1.02% | 4,036 |
Loan mix (Q2 2026): real estate $9.4M · commercial $0 · consumer $14.9M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 80.6% | 7th |
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: Miami, IN, ranked 8th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Miami, IN | 1 | $24.7M* | 2.62% | 8th |
Indiana: 222nd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1