| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +1.3% | +9.3 pts |
| Share growth (YoY) | +10.0% | +0.9% | +9.1 pts |
| Loan growth (YoY) | +7.1% | -2.6% | +9.7 pts |
| ROA | 1.59% | 0.65% | +0.9 pts |
| ROE | 13.8% | 4.4% | +9.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.3M | $7.3M | $5.7M | $960K | $66K | 1.59% | 3.28% | 0.00% | 590 |
| Q1 2026 | $8.2M | $7.3M | $5.6M | $928K | $34K | 1.67% | 3.55% | 0.00% | 582 |
| Q4 2025 | $7.9M | $7.0M | $5.6M | $894K | $81K | 1.03% | 2.97% | 0.00% | 575 |
| Q3 2025 | $8.0M | $7.2M | $5.5M | $883K | $84K | 1.40% | 3.25% | 0.02% | 580 |
| Q2 2025 | $7.5M | $6.7M | $5.3M | $836K | $43K | 1.16% | 3.12% | 0.02% | 574 |
| Q1 2025 | $7.4M | $6.6M | $5.1M | $813K | $-51K | -2.75% | 3.24% | 0.02% | 568 |
| Q4 2024 | $7.4M | $6.6M | $5.1M | $864K | $80K | 1.08% | 3.35% | 1.47% | 565 |
| Q3 2024 | $7.6M | $6.8M | $5.3M | $839K | $55K | 0.96% | 3.14% | 1.67% | 569 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.8M | $6.9M | $5.3M | $817K | $33K | 0.86% | 2.99% | 1.07% | 566 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.0M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.6% | 80.6% | 5th |
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 2 counties across 2 states (+2 vs 2025). Biggest market: Allen, IN, ranked 53rd with 0.0% of deposits.
Indiana: 266th with 0.00% · Illinois: 559th with 0.00% · Fort Wayne metro: 57th, 0.03% · Chicago-Naperville-Elgin metro: 242nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3