Industrial Federal Credit Union
Total assets
$355.6M
▲ +8.2% YoY
Shares & deposits
$321.0M
▲ +7.9% YoY
Loans
$243.3M
▲ +7.5% YoY
Members
31,994
▲ +1.0% YoY
ROA (annualized)
1.15%
peers 0.69%
ROE (annualized)
13.09%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +3.9% | +4.3 pts |
| Share growth (YoY) | +7.9% | +3.3% | +4.6 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.5 pts |
| ROA | 1.15% | 0.69% | +0.5 pts |
| ROE | 13.1% | 5.9% | +7.1 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
Profile
- Established
- 1983
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 1115 Sagamore Pkwy S, Lafayette, IN, 47905
- NCUA charter #
- 24026
- RSSD ID
- 444097
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $355.6M | $321.0M | $243.3M | $31.4M | $1.0M | 1.15% | 4.57% | 0.56% | 31,994 |
| Q4 2025 | $340.3M | $307.3M | $243.2M | $30.3M | $3.0M | 0.89% | 4.62% | 0.71% | 31,838 |
| Q3 2025 | $333.6M | $300.9M | $236.5M | $29.7M | $2.3M | 0.91% | 4.64% | 0.66% | 31,825 |
| Q2 2025 | $329.6M | $298.0M | $233.4M | $28.7M | $1.3M | 0.79% | 4.59% | 0.56% | 31,815 |
| Q1 2025 | $328.8M | $297.4M | $226.4M | $27.9M | $517K | 0.63% | 4.50% | 0.63% | 31,688 |
| Q4 2024 | $314.8M | $284.4M | $226.2M | $27.4M | $2.3M | 0.74% | 4.39% | 0.90% | 31,541 |
| Q3 2024 | $310.6M | $280.0M | $223.7M | $26.8M | $1.7M | 0.72% | 4.35% | 0.84% | 31,484 |
| Q2 2024 | $314.9M | $285.4M | $220.4M | $26.3M | $1.1M | 0.72% | 4.21% | 0.86% | 31,350 |
Loan mix (Q1 2026): real estate $71.7M · commercial $0 · consumer $161.1M · securities $54.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.62% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 78.7% | 44th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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