| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +3.2% | +0.9% | +2.3 pts |
| Loan growth (YoY) | -4.8% | -2.6% | -2.1 pts |
| ROA | 0.90% | 0.65% | +0.3 pts |
| ROE | 6.6% | 4.4% | +2.2 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $74.1M | $63.8M | $55.6M | $10.1M | $333K | 0.90% | 4.64% | 1.59% | 8,230 |
| Q1 2026 | $75.5M | $65.4M | $57.1M | $10.0M | $173K | 0.92% | 4.51% | 1.66% | 8,215 |
| Q4 2025 | $75.0M | $65.1M | $60.2M | $9.8M | $892K | 1.19% | 4.68% | 1.15% | 8,281 |
| Q3 2025 | $72.0M | $62.1M | $60.9M | $9.7M | $824K | 1.53% | 4.86% | 1.09% | 8,473 |
| Q2 2025 | $71.5M | $61.8M | $58.3M | $9.5M | $571K | 1.60% | 4.80% | 1.13% | 8,372 |
| Q1 2025 | $73.7M | $64.5M | $55.5M | $9.2M | $230K | 1.25% | 4.56% | 0.79% | 8,233 |
| Q4 2024 | $70.1M | $61.1M | $53.1M | $8.9M | $786K | 1.12% | 4.37% | 0.73% | 8,128 |
| Q3 2024 | $69.7M | $60.9M | $52.2M | $8.7M | $553K | 1.06% | 4.32% | 1.37% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,131 |
| Q2 2024 | $70.5M | $62.0M | $49.7M | $8.5M | $319K | 0.90% | 4.20% | 0.69% | 8,010 |
Loan mix (Q2 2026): real estate $19.5M · commercial $0 · consumer $34.0M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 80.6% | 46th |
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: La Porte, IN, ranked 12th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| La Porte, IN | 3 | $63.8M* | 1.97% | 12th |
Indiana: 176th with 0.02% · Michigan City-La Porte metro: 12th, 1.97% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3