| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.2% | +0.9% | +3.3 pts |
| Loan growth (YoY) | +3.2% | -2.6% | +5.8 pts |
| ROA | 1.32% | 0.65% | +0.7 pts |
| ROE | 9.9% | 4.4% | +5.6 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.5M | $32.3M | $11.8M | $5.0M | $246K | 1.32% | 4.47% | 0.68% | 3,325 |
| Q1 2026 | $37.2M | $32.3M | $10.8M | $4.8M | $104K | 1.12% | 4.52% | 0.67% | 3,283 |
| Q4 2025 | $36.4M | $31.5M | $11.3M | $4.7M | $498K | 1.37% | 4.59% | 1.20% | 3,267 |
| Q3 2025 | $35.9M | $31.1M | $11.6M | $4.6M | $395K | 1.47% | 4.68% | 1.37% | 3,309 |
| Q2 2025 | $35.6M | $31.0M | $11.4M | $4.5M | $298K | 1.67% | 4.71% | 1.37% | 3,303 |
| Q1 2025 | $36.5M | $32.0M | $11.1M | $4.4M | $155K | 1.70% | 4.56% | 1.32% | 3,341 |
| Q4 2024 | $35.0M | $30.7M | $12.0M | $4.2M | $701K | 2.00% | 4.47% | 2.57% | 3,360 |
| Q3 2024 | $34.0M | $29.8M | $12.6M | $4.0M | $528K | 2.07% | 4.49% | 1.79% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,394 |
| Q2 2024 | $34.0M | $29.9M | $12.8M | $3.9M | $358K | 2.11% | 4.38% | 1.75% | 3,398 |
Loan mix (Q2 2026): real estate $761K · commercial $0 · consumer $10.4M · securities $23.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 80.6% | 12th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Marion, IN, ranked 36th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 3 | $32.3M* | 0.07% | 36th |
Indiana: 210th with 0.01% · Indianapolis-Carmel-Greenwood metro: 61st, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3