| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.8 pts |
| Share growth (YoY) | +6.1% | +0.9% | +5.2 pts |
| Loan growth (YoY) | -2.6% | -2.6% | +0.0 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 6.8% | 4.4% | +2.4 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.0M | $23.7M | $15.5M | $4.3M | $145K | 1.04% | 3.99% | 0.92% | 3,022 |
| Q1 2026 | $27.5M | $23.4M | $15.6M | $4.1M | $35K | 0.50% | 4.01% | 0.82% | 3,014 |
| Q4 2025 | $25.9M | $21.8M | $15.8M | $4.0M | $535K | 2.07% | 4.50% | 0.09% | 3,020 |
| Q3 2025 | $25.5M | $21.6M | $16.0M | $3.9M | $393K | 2.05% | 4.55% | 0.60% | 3,038 |
| Q2 2025 | $26.1M | $22.3M | $15.9M | $3.7M | $268K | 2.05% | 4.51% | 0.22% | 3,064 |
| Q1 2025 | $26.6M | $22.9M | $15.4M | $3.6M | $130K | 1.95% | 4.36% | 0.33% | 2,859 |
| Q4 2024 | $25.9M | $22.3M | $15.0M | $3.5M | $832K | 3.22% | 4.35% | 1.22% | 2,878 |
| Q3 2024 | $25.5M | $22.0M | $14.4M | $3.4M | $318K | 1.66% | 4.28% | 2.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,098 |
| Q2 2024 | $25.5M | $22.1M | $13.2M | $3.2M | $179K | 1.41% | 4.12% | 1.51% | 2,902 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $12.4M · securities $9.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 80.6% | 15th |
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: White, IN, ranked 7th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| White, IN | 1 | $23.7M* | 2.02% | 7th |
Indiana: 223rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1