| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.1 pts |
| Share growth (YoY) | +9.7% | +0.9% | +8.7 pts |
| Loan growth (YoY) | +11.3% | -2.6% | +13.9 pts |
| ROA | 1.27% | 0.65% | +0.6 pts |
| ROE | 11.9% | 4.4% | +7.5 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.0M | $16.0M | $11.7M | $1.9M | $114K | 1.27% | 4.04% | 0.05% | 1,980 |
| Q1 2026 | $18.3M | $16.3M | $11.7M | $1.9M | $61K | 1.34% | 3.94% | 0.04% | 2,108 |
| Q4 2025 | $16.7M | $14.8M | $11.5M | $1.8M | $155K | 0.93% | 4.21% | 0.09% | 2,188 |
| Q3 2025 | $17.0M | $15.1M | $11.3M | $1.8M | $115K | 0.90% | 4.06% | 0.04% | 2,000 |
| Q2 2025 | $16.4M | $14.5M | $10.5M | $1.7M | $77K | 0.94% | 4.04% | 0.20% | 1,979 |
| Q1 2025 | $16.8M | $14.9M | $9.5M | $1.7M | $-56K | -1.34% | 3.75% | 0.00% | 1,976 |
| Q4 2024 | $15.6M | $13.8M | $8.5M | $1.7M | $198K | 1.27% | 4.23% | 0.00% | 2,212 |
| Q3 2024 | $16.1M | $14.3M | $8.4M | $1.6M | $70K | 0.58% | 4.11% | 0.02% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 4.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,006 |
| Q2 2024 | $16.7M | $14.9M | $8.2M | $1.6M | $98K | 1.17% | 3.95% | 0.21% | 2,039 |
Loan mix (Q2 2026): real estate $1.3M · commercial $0 · consumer $10.0M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 80.6% | 42nd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Jefferson, IN, ranked 7th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, IN | 2 | $16.0M* | 2.16% | 7th |
Indiana: 239th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2