| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +6.3% | +0.9% | +5.3 pts |
| Loan growth (YoY) | +1.6% | -2.6% | +4.2 pts |
| ROA | 1.43% | 0.65% | +0.8 pts |
| ROE | 7.8% | 4.4% | +3.4 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.3M | $25.5M | $21.1M | $5.7M | $224K | 1.43% | 4.88% | 0.00% | 1,060 |
| Q1 2026 | $31.2M | $25.6M | $21.2M | $5.6M | $119K | 1.52% | 5.10% | 0.00% | 1,067 |
| Q4 2025 | $29.8M | $24.3M | $22.3M | $5.5M | $383K | 1.29% | 4.65% | 0.00% | 1,058 |
| Q3 2025 | $30.1M | $24.7M | $20.9M | $5.4M | $288K | 1.28% | 4.50% | 0.00% | 1,045 |
| Q2 2025 | $29.4M | $24.0M | $20.8M | $5.4M | $228K | 1.55% | 4.72% | 0.12% | 1,046 |
| Q1 2025 | $30.7M | $25.5M | $20.2M | $5.3M | $113K | 1.48% | 4.74% | 0.00% | 1,057 |
| Q4 2024 | $29.2M | $24.1M | $21.5M | $5.1M | $413K | 1.41% | 4.73% | 0.00% | 1,059 |
| Q3 2024 | $30.1M | $25.0M | $21.8M | $5.1M | $349K | 1.55% | 4.61% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,060 |
| Q2 2024 | $29.1M | $24.2M | $22.8M | $5.0M | $231K | 1.59% | 4.84% | 0.00% | 1,053 |
Loan mix (Q2 2026): real estate $1.2M · commercial $18.8M · consumer $1.1M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 80.6% | 32nd |
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: Jackson, IN, ranked 9th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, IN | 1 | $25.5M* | 1.82% | 9th |
Indiana: 221st with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1